What to Do When Rear-Ended and the Other Party is Fully at Fault?
2 Answers
Being rear-ended with the other party fully at fault means they bear all the compensation liability. The insurance company will provide compensation within the compulsory third-party liability insurance coverage limit. In traffic accidents between motor vehicles, the party at fault is responsible for compensation. If both parties are at fault, the liability is shared according to the proportion of each party's fault.
I've been driving for many years and have handled several rear-end collisions with ease. The first thing I do is immediately move the car to a safe spot on the roadside and turn on the hazard lights, making sure not to block traffic. Then, I get out to check if anyone is injured—mine or the other party's. If there are injuries, I call 120 for emergency help right away. If everyone is okay, I take out my phone to take photos and videos, capturing the other party's license plate, collision marks, damaged parts, and the roadside environment comprehensively. Next, we exchange contact details, driver's licenses, and insurance information. If the other party is fully at fault, I call the traffic police to report the accident and file a record to prevent disputes later. Finally, I contact my own insurance company to report the incident—they send someone to assess the damage, and my car gets towed for repairs with the other party covering all costs. Throughout the process, I stay calm. After the repairs, I remind myself to regularly check the vehicle's suspension system for any lingering issues. This approach ensures a quick and worry-free resolution.
