How Does Insurance Handle Vehicle Accidents?
3 Answers
In the event of a vehicle accident, immediately stop the car when it is safe to do so, and turn off the engine to prevent the vehicle from catching fire. The vehicle owner must activate the hazard warning lights as soon as possible and place a hazard warning sign behind the car. In addition to setting up warning signs, it is also necessary to take photos of the accident scene for evidence to contact the insurance company.
Once I had a minor car accident, so I immediately pulled over to a safe spot, made sure no one was hurt, and called 110 to report it. When the police arrived, they took a record, and I exchanged insurance details and contact information with the other party. I also took photos of the car damage, the full scene, including license plates, with my phone. Right after that, I called my insurance company to report the incident. They noted down the details, gave me a claim number, and told me to send the documents within three days. The whole process required patience—the insurance company sent someone to inspect the damage, and only after the assessment could repairs begin. The key is not to delay at all, or evidence might get lost or expire. I learned the hard way when I almost got the short end of a private settlement. Now, every time I drive, I remind myself to stay calm, prioritize safety, and follow the insurance process carefully.
Last week, I took my child out for a trip when the car skidded on the slippery road and hit the guardrail. I was quite frightened and immediately stopped to check on my child and the other party's safety, then called 110 to report to the police. Fortunately, no one was seriously injured, but the scene was chaotic. I took photos as evidence and noted down the other party's insurance certificate number and license plate. Upon returning home, I promptly contacted my insurance company to report the accident, filled out an online form, and uploaded the photos. They mentioned that the assessment would take about a week before the claim could be processed. I believe the outcome largely depends on the policy terms—if it's comprehensive coverage, the car repairs should be covered. However, it's crucial not to overlook details like the exact time and location, as they can affect the final settlement amount. Ensuring safety is more important than saving money, especially when traveling with family. Insurance provides essential protection in case of accidents, making it worth the extra time spent on the claims process.
