Can other parts be repaired together when filing an auto insurance claim?
2 Answers
When filing an auto insurance claim, you cannot repair parts that were not damaged in the current accident. Below are the specific details for filing a claim: 1. Important Notes: After an accident, you should immediately call your insurance company. If the accident involves injuries, you must also notify the traffic police to determine liability on-site; otherwise, the insurance company will not cover the claim. When the insurance adjuster arrives, provide your insurance policy, driver's license, vehicle registration, and ID. 2. Photo Evidence: Whether photos are required depends on the type of insurance coverage you have. For example, for claims involving vehicle damage, scratches, or glass damage, you must provide photographic proof that the vehicle had no pre-existing damage. You need to take six photos: one from each of the four 45° angles (front left, front right, rear left, rear right), one of the VIN, and one with you and the vehicle. Each photo must include that day's newspaper to clearly show the date.
As someone who frequently deals with car insurance, I remember during the last repair after an accident, the mechanic mentioned he could fix the minor scratches on the door as well. However, he reminded me that insurance only covers damages directly related to the accident. Damages to other areas would have to be paid out of pocket and shouldn't be mixed into the claim, as it could be considered insurance fraud, which has serious consequences. I recommend thoroughly inspecting your vehicle before filing a claim. Let insurance handle the accident-related damages while paying for old damages yourself. Handling them separately is both convenient and safe. Remember to keep all repair receipts for future expense tracking, which also helps avoid unnecessary disputes. Long-term experience has taught me that honesty is the wisest choice—don't take shortcuts that could lead to risks.
