How to compensate for the other party’s full liability insurance
In a traffic accident, if the other party is judged to be solely at fault, then the other party’s insurance company needs to bear your loss compensation. This article will provide a detailed analysis of the compensation process, precautions and related data of the other party's full liability insurance to help you better protect your own rights and interests.
1. The other party’s full liability insurance compensation process
1.Accident scene handling: Call the police immediately and retain on-site evidence, including 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: Notify the other party’s insurance company and provide relevant materials.
4.Damage assessment and repair: After the insurance company determines the loss, you can choose to designate a repair point or repair it yourself.
5.Compensation settlement: The insurance company will pay the compensation directly to you or the repair shop.
2. Compensation items and standards
| Compensation items | Compensation standard | Remark |
|---|---|---|
| Vehicle maintenance fees | According to actual maintenance cost | Maintenance invoice required |
| medical expenses | According to actual medical expenses | Hospital receipt required |
| Lost work fee | Actual income loss | Proof of income required |
| transportation expenses | According to actual transportation expenditure | Invoice required |
3. Precautions
1.Report the case promptly: The accident must be reported to the insurance company within 48 hours after the accident, otherwise it may affect the claim settlement.
2.Keep evidence: All accident-related tickets, photos, videos, etc. must be properly kept.
3.consensus: When negotiating the compensation amount with the other party’s insurance company, be sure to reach an agreement before signing for confirmation.
4.legal approach: If the other party refuses to compensate, you can protect your rights and interests through legal channels.
4. Frequently Asked Questions
1.What should I do if the other party doesn’t cooperate?: You can apply for traffic police mediation or direct prosecution.
2.How long does it take for the compensation to arrive?: Compensation is usually completed within 15 working days.
3.Can mental damages be compensated?: Claims need to be made through legal channels, and insurance companies usually do not pay compensation directly.
5. Summary
The compensation process for the other party's full liability insurance is relatively clear, but you still need to pay attention to details in actual operation. Keeping good evidence, communicating in a timely manner, and seeking legal help when necessary are the keys to ensuring a smooth claim settlement. Hope this article can provide you with valuable reference.
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