Do I Need to Pay for Car Repairs Out of Pocket When Using Insurance?

[LeMary]

Vehicle owners are required to make an advance payment for repairs and then settle with the insurance company. Below are the specific details for filing an insurance claim: 1. Important Notes: After an accident occurs, immediately call your insurance company. If the accident involves injuries, it is also necessary to notify the traffic police department to determine liability on-site; otherwise, the insurance company will not provide compensation. When the insurance company personnel arrive at the scene, the vehicle owner should present the insurance policy, driver's license, vehicle registration, and ID card. 2. Photographic Evidence: Whether photographs are required for car insurance claims depends mainly on the type of coverage purchased by the owner. For example, for claims involving vehicle damage, scratches, or glass coverage, photographic proof is necessary to show that the vehicle had no pre-existing damage before the policy was in effect. Six photos are required: one from each of the four 45° angles (front left, rear left, front right, rear right), one of the vehicle identification number (VIN), and one with the owner standing next to the vehicle. Each photo must include that day's newspaper, clearly showing the date.