What to Do When Rear-Ended and the Other Party is Fully at Fault?
2 Answers
Handling process when rear-ended and the other party is fully at fault: 1. Immediately report to the traffic police (call 110) and obtain a traffic accident liability determination certificate (police proof); 2. Both parties should report to their respective insurance companies; 3. Wait for the insurance company to send personnel for on-site inspection and fill out the on-site inspection record; 4. Prepare four sets of documents: valid vehicle license, original and copy of driver's license, ID card of the insured, and insurance policies (including commercial insurance and compulsory traffic insurance policies). Obtain a copy of the other party's compulsory traffic insurance policy and hand it over to the professional insurance staff at the 4S shop; 5. The primarily responsible party should first advance the cost of damages for both vehicles, and submit the complete documents to the insurance company for reimbursement.
In case of a rear-end collision where the other party is fully at fault, the first step is always to immediately pull over to a safe spot, turn on the hazard lights, and place a warning triangle to prevent secondary collisions. After exiting the vehicle, check for any injuries among all parties involved, such as dizziness or scrapes, and promptly call 110 to report the accident. This is crucial because once the police arrive and issue an accident liability determination stating the other party is fully at fault, the process becomes much smoother. Don’t forget to take photos of the scene: capture the other party’s license plate, the damage, and the road conditions—all of which serve as evidence. Then, exchange information, including the other party’s name, phone number, insurance company, and policy number. After reporting the accident to your own insurance company, they will arrange for damage assessment and repairs. All repair costs will be covered by the other party’s insurance, so you won’t have to pay out of pocket. Remember, never settle privately, as it could lead to complications later. Stay calm throughout the process. It’s also advisable to note the time and location for future reference. After the car is repaired, take it for a test drive to ensure all functions are normal and there are no hidden damages that could affect safety.
