What to Do When Unable to Identify the Responsible Party for Vehicle Damage?
2 Answers
Insurance contracts do not stipulate that the insurer can be exempted from liability in cases where a third party cannot be identified. On the contrary, insurance contracts explicitly state that even if the third-party responsible for the incident is not found, if it is determined that a third party should be held accountable, the insurance company may apply a 30% absolute deductible. Below is an introduction to vehicle insurance: 1. Overview: Vehicle insurance (also known as motor vehicle insurance or auto insurance, referred to as car insurance) is a type of property insurance. It covers the vehicle itself and third-party liability, providing compensation for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Classification: Vehicle insurance can be specifically divided into commercial insurance and compulsory traffic insurance. Commercial insurance further includes primary vehicle insurance and additional coverage. 3. Clients: The primary clients of vehicle insurance are legal entities and individuals who own various types of motor vehicles.
I've been driving on the road for over twenty years and have truly encountered situations where vehicle damage occurred without a responsible party being identifiable. The first step is not to panic—immediately pull over to a safe spot and turn on your hazard lights to protect yourself and other vehicles. Use your phone to take photos or videos: clearly capture the damaged parts of your car, the position where your car is parked, and the surrounding environment such as road signs or buildings. If possible, look for any witnesses or ask nearby shops if they have surveillance footage. Call the police at 122; traffic officers will arrive to inspect the scene and issue an accident report, which is crucial evidence for later accountability. Contact your insurance company and inform them of the no-fault accident; if you have collision coverage or comprehensive insurance, they can likely help cover repairs, though you may need to pay some costs upfront—provided you submit all records. Last time, when my car got scratched in a supermarket parking lot and no one could identify the responsible vehicle from the surveillance, my insurance still covered the repairs. Installing a dashcam and keeping it running daily ensures video evidence, preventing you from suffering losses when no one is found. Never settle privately or ignore the issue—handle it promptly to ensure safe driving.
