Do I need to pay out of pocket for insurance repairs?
2 Answers
Insurance repairs require the car owner to make an advance payment first, and then settle with the insurance company. Below are the specific details about insurance: Notes: After an accident occurs, you should immediately call the insurance company you are insured with. If the accident involves injuries, you must also notify the traffic police department to come to the scene to determine liability, otherwise the insurance company will not compensate. When the insurance company personnel arrive at the scene, the car owner should present the insurance documents, driver's license, vehicle registration, and ID card. Photo proof: Whether photos are needed for car insurance mainly depends on the type of coverage the owner has purchased. For example, for vehicle damage, scratches, or glass insurance, photos must be taken to prove that the vehicle was undamaged before the insurance was purchased. Six photos need to be taken: one from each of the four corners (left front, left rear, right front, right rear) at a 45° angle, one of the vehicle identification number (VIN), and one with the person and the car. Each photo must include that day's newspaper, clearly showing the date.
Last month, my car was involved in a minor accident. The insurance company required me to pay the repair costs upfront, and they would reimburse me after the accident liability was determined. This is common with general third-party liability insurance. If you're fully at fault, you'll have to pay for the repairs first; if it's not your fault, the other party's insurance will cover it, but the process can be slower. It's recommended to take photos immediately as evidence at the scene and contact the insurance company's customer service to file a report. When purchasing car insurance, opt for policies with direct payment services, such as those partnered with 4S shops, so the shop can settle the bill directly, saving you the hassle of upfront payments. I've gotten into the habit of keeping some emergency funds aside for unexpected repair expenses, as claims take time and can be quite stressful when cash flow is tight.
