What to Do When the Other Party at Fault in a Rear-End Collision Keeps Avoiding Responsibility?
3 Answers
Here are the steps to take when the other party at fault in a rear-end collision keeps avoiding responsibility: Call the police: Traffic police will investigate the scene and issue an accident liability determination report. It doesn't matter if the other party signs it or not, but you must obtain this document. Have both insurance companies involved: If the other party refuses to compensate, the simplest method is to use the insurance company's subrogation service. In short, you can ask your own insurance company to advance the repair costs, and then the insurance company will sue the other party. You only need to cooperate by providing evidence. The prerequisite is that you must have purchased vehicle damage insurance; otherwise, you cannot enjoy the subrogation service. Using subrogation will not be counted as a claim and will not affect next year's premium.
After being rear-ended with the other party fully at fault but delaying compensation, immediately call the police to have traffic officers determine liability on-site and issue an accident report—this serves as legal documentation. Avoid wasting time with private negotiations; instead, gather evidence like scene photos, vehicle damage records, and the other party’s contact details. If necessary, apply for court enforcement. Stay patient but vigilant throughout the process, insisting on formal channels. Also, notify your insurer immediately after the accident for record-keeping to streamline follow-up actions; prolonged delays complicate compensation. A life tip: When encountering similar situations while driving, avoid impulsive confrontations to prevent escalation. In short: follow rules, preserve evidence, and seek professional help.
If the other party refuses to handle the rear-end collision compensation, the most hassle-free approach is to contact your own insurance company for subrogation. Last time when I got rear-ended and the other guy was dragging his feet, I called my insurer, provided accident photos and the traffic police report, and they directly settled the repair costs with the other party's insurance. The whole process was quick and effortless, with no need to hassle with the other party. It's advisable to take photos and videos immediately after the accident, including the license plate number and damage details, and save them in your phone's cloud storage to avoid losing them. Submit this evidence when filing an insurance claim. Be sure to keep all communication records and expense receipts—if the other party's insurance gives you the runaround, filing a complaint to the 12378 insurance regulatory hotline can be effective. Never advance too much payment yourself to avoid getting shortchanged. Make it a habit to drive with these practices in mind, so you can handle any incidents calmly when they occur.
