What to Do When the Car Owner is Fully Liable After Being Rear-Ended?
3 Answers
When a motor vehicle is involved in a traffic accident causing damage, and the liability falls on the motor vehicle's side, compensation shall first be provided by the insurer under the compulsory motor vehicle insurance within the liability limits of the compulsory insurance. Any insufficient amount shall be compensated by the insurer under the commercial motor vehicle insurance in accordance with the terms of the insurance contract. If there is still an insufficient amount or if commercial motor vehicle insurance is not in place, the infringing party shall compensate. When a car is rear-ended and the other party is fully liable, the involved party can directly claim compensation from the other party's insurance company with the accident liability determination certificate issued by the traffic police and the vehicle damage repair cost receipts. In a rear-end collision, the fully liable party bears all responsibility for the accident and compensates the victim for all losses incurred. The traffic police department will also impose corresponding fines and demerit points based on the violations. If a car is rear-ended and the other party is fully liable, and no personal injuries are involved, both parties may choose to resolve the matter through mutual agreement if they are willing. However, if there are personal injuries or disputes, it is mandatory to report to the police.
Last time I was driving on the road, I suddenly changed lanes without signaling, which resulted in being rear-ended by the car behind. When the police arrived, they determined I was fully at fault, and I was quite stunned at the time. I immediately pulled over to the side of the road, turned on the hazard lights, placed the warning triangle, and confirmed no one was injured. I called the police to report the situation, took photos of the vehicle damage including the marks from my lane change and the position of the rear car. We exchanged driver's license and insurance information, and I avoided arguing on the spot. Later, I contacted my insurance company to report the accident, prepared the accident report and photos. The insurance company said being fully at fault would result in points deducted and increased premiums, but after explaining the situation clearly, they deducted fewer points. This experience reminded me to always follow traffic rules, use turn signals, and check mirrors more often to avoid similar troubles in the future. The car repairs cost some money, but thankfully no one was hurt. I quickly signed up for a driving course to improve my skills.
If you're the driver at fault in a rear-end collision, don't panic—follow legal procedures. First, ensure scene safety by parking properly and setting up warning signs. Call the police for official liability determination; avoid private settlements to prevent future issues. Based on traffic laws I know, full liability usually results from improper lane changes or sudden braking—officers will investigate using surveillance or witness accounts. Gather evidence including dashcam footage and both parties' documents. Promptly contact your insurer to file an accident report, submitting the determination certificate and damage list. Being at fault may impact license points and premiums, but explaining the mistake can mitigate penalties. Keep all receipts, drive more cautiously afterward, obey traffic signals and speed limits to prevent similar risks.
