Why Do I Need to Provide My Insurance Policy When the Other Driver Is Fully at Fault?
4 Answers
Because the traffic police need to verify that the vehicle's compulsory insurance was valid at the time of the incident for record-keeping purposes. According to Article 60 of the "Road Traffic Accident Handling Procedures," the traffic management department of the public security authority shall determine the liability of the parties involved based on the role of their actions in causing the accident and the severity of their fault. Below are the contents typically included in commercial auto insurance: 1. Vehicle Damage Insurance: Covers losses due to natural disasters and accidents, recommended for new drivers. 2. Third-Party Liability Insurance: Compensates for third-party personal injury or death caused by the policyholder, mandatory for protection of both oneself and others. 3. No-Deductible Insurance: An add-on that transfers the policyholder's liability to the insurance company, reducing personal losses. It is advisable to purchase this if you have both Vehicle Damage Insurance and Third-Party Liability Insurance. 4. Theft and Robbery Insurance: Covers damages caused by theft, robbery, or forcible seizure of the vehicle, recommended for new car owners without garages. 5. Passenger Liability Insurance: Compensates the driver and passengers for losses due to accidents, usually charged per seat. Recommended for new drivers or family vehicles.
Last time I was involved in an accident where the other party was fully at fault, their insurance company also asked me for my policy details. Essentially, they wanted to verify if I had insurance to avoid the risk of dealing with unregistered/uninsured vehicles. Additionally, some regional laws require exchanging insurance information regardless of fault, so they can properly document the entire incident. My insurance information also helps them verify identity, such as preventing fraud cases where someone might use a scrapped vehicle for insurance scams. Finally, the other party's insurer needs to assess the entire claims process, checking if my policy involves additional clauses like medical expense sharing. Remember to keep all documentation and photos after an accident to protect your rights.
In the recent rear-end collision where the other party was fully at fault, they still requested to see my insurance policy documents. There are several reasons for this: the insurance company needs to verify whether my insurance status is legal to avoid paying claims to uninsured vehicles; secondly, it's used to cross-check information between both parties to prevent fraud, such as confirming whether the license plate number matches the policy; additionally, some states now operate under a no-fault insurance system, meaning even if the other party is at fault, my insurance company may still need to cover part of the medical expenses; finally, the insurance company must establish a complete claims file, and missing any party's information could result in the claim being sent back by headquarters for re-evaluation.
It's normal for the at-fault party to request your insurance policy. Insurance company procedures require complete records of both parties involved in the accident, and your policy can verify whether the vehicle is legally insured. Additionally, if there are injuries involved, they need to confirm whether your coverage includes medical insurance. In some cases, the other party's insurance company may worry that the at-fault driver is lying, so they double-verify all documents. Remember to always carry your auto insurance policy in the vehicle - in case of an accident, simply take photos and exchange information directly.
