How to settle compensation if the other party is solely responsible for the accident
In a traffic accident, if the other party is judged to be fully responsible, as the non-responsible party, you are entitled to receive corresponding compensation. This article will introduce the claims process, precautions and related data in detail to help you handle the follow-up matters of the accident efficiently.
1. Claims Process
1.Accident scene handling: After ensuring safety, call the police immediately and retain on-site evidence, such as taking photos and videos, etc.
2.Responsibility determination: The traffic police shall issue a letter of determination of responsibility for the accident, clarifying that the other party is fully responsible.
3.Contact insurance company: Report the case to the other party’s insurance company and provide relevant materials.
4.Damage assessment and repair: Send the vehicle to a designated or self-selected repair point for damage assessment, and the repair costs will be borne by the other party’s insurance company.
5.claim: Submit claim materials, including car repair invoices, medical expense vouchers, etc.
6.Compensation received: After approval by the insurance company, the compensation will be paid to your account.
2. Materials required for claim settlement
| Material type | Specific content |
|---|---|
| accident proof | Accident liability determination letter issued by the traffic police |
| Proof of identity | Driver's license, driving license, ID card |
| insurance document | Copy of the other party’s insurance policy |
| Maintenance certificate | Maintenance invoices, loss orders |
| medical expenses | Medical invoice, diagnosis certificate (if anyone is injured) |
3. Frequently Asked Questions
1.What should I do if the other party is not worthy of reasonable compensation?
If the other party delays or refuses to settle the claim, you can apply for subrogation from the insurance company, and your insurance company will pay the compensation first and then pursue claims from the other party.
2.How is the amount of compensation calculated?
Compensation includes vehicle maintenance fees, medical expenses, lost work expenses, etc. The specific amount is determined based on the actual loss and insurance terms.
3.How long does it take to settle a claim?
Usually 7-15 working days, complex cases may extend to 30 days.
4. Recent popular traffic accident claims cases (last 10 days)
| Case | Responsibility determination | Amount of compensation |
|---|---|---|
| High-speed rear-end collision in City A | Full responsibility for the car behind you | 120,000 yuan |
| Case of running into a person by running a red light in City B | Full motor vehicle liability | Medical expenses + lost work expenses total 85,000 yuan |
| C city parking lot scratching dispute | The other party is fully responsible | Maintenance cost 12,000 yuan |
5. Things to note
1.Keep evidence: Photos, videos, witness contact information, etc. of the accident scene are crucial.
2.Report the case promptly: Usually, the case needs to be reported to the insurance company within 48 hours. Failure to do so may affect claim settlement.
3.Avoid being private: Especially when someone is injured or the loss is large, it may lead to subsequent disputes.
4.Consult a professional: If you have questions about claims, you can contact a lawyer or insurance consultant.
Through the above steps and precautions, you can more smoothly complete the claims process for accidents that are solely at fault of the other party. If there are special circumstances, it is recommended to communicate with relevant departments or professionals in a timely manner.
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