Traffic Accident in China as a Foreigner: What to Do

Traffic accidents are stressful anywhere, but in China as a foreigner, language barriers and unfamiliar procedures add complexity. Here's what you need to know to protect yourself.

Immediate Steps After an Accident

1. Ensure Safety

• Move to safe location if possible
• Turn on hazard lights
• Set up warning triangles if available

2. Call for Help

• Police: 110 or 122 (traffic police)
• Ambulance: 120
• Police report is essential for insurance claims

3. Document Everything

• Photos of all vehicles and damage
• Photos of the scene and road conditions
• Other driver's information
• Witness contact information
• Police officer's name and badge number

4. Don't Admit Fault

Even if you think you might be at fault:

• Don't apologize or admit responsibility
• Let police determine fault
• Stick to factual statements

Police Procedures

When police arrive:

• Show your passport and driver's license
• Explain what happened (request interpreter if needed)
• Police will investigate and issue accident report
• Report determines fault allocation (percentage)

Liability Determination

China uses comparative fault system:

• Full liability: One party 100% at fault
• Primary liability: Mostly at fault (typically 70%+)
• Equal liability: 50/50
• Secondary liability: Minor fault
• No liability: Not at fault

Insurance Claims

Mandatory Insurance (交强险)

All vehicles must have compulsory traffic insurance:

• Covers third-party injuries and property damage
• Limited coverage amounts

Commercial Insurance

Additional coverage you may have:

• Third-party liability (higher limits)
• Vehicle damage
• Driver/passenger injury

Filing a Claim

1. Notify insurance company promptly
2. Provide police report
3. Submit damage documentation
4. Get repair estimates

If You're Injured

• Seek medical attention immediately
• Keep all medical records and receipts
• Document your injuries with photos
• Follow up on treatment

Compensation Available

• Medical expenses
• Lost income
• Nursing care costs
• Transportation costs
• Disability compensation (if applicable)
• Mental distress damages

Disputes and Litigation

If you can't reach agreement:

• Mediation through traffic police
• People's mediation committee
• Court litigation

Special Considerations for Foreigners

• Valid license: Ensure your license is valid in China
• Language: Request interpreter for police statements
• Don't sign what you don't understand
• Embassy notification: For serious accidents