How long is it effective to report a hit-and-run accident where your car was scratched?
2 Answers
Generally, reporting a hit-and-run accident where your car was scratched is effective within 48 hours after the incident. According to relevant laws, regulations, and insurance policy provisions, the car owner should report the accident promptly to allow the insurance company to conduct an investigation. If the car owner fails to report the accident in time, they will be unable to provide supporting documents during the claim process, resulting in the insurance company being unable to determine liability. In such cases, the insurance company will not provide compensation. Below are the steps to handle a scratch accident: 1. After the accident occurs, the car owner should first call the police to have law enforcement determine liability before contacting the insurance company to report the claim. In the case of a single-vehicle accident, the car owner should immediately call the insurance company to report the claim. When reporting, the car owner should accurately describe the accident process and the extent of the damage. 2. After a scratch accident occurs, the first step is to stay calm and choose an appropriate location to park the vehicle. After parking, engage the handbrake, turn off the engine, and cut the power supply. Under specific circumstances, follow the relevant regulations. At night, turn on the width lights and taillights. On highways, set up the hazard warning signs as required behind the vehicle.
If your car gets scratched and the other party flees, reporting it as soon as possible is most effective. As a friend who has been driving for over a decade, I’ve found that timely reporting to the police is crucial—ideally within 24 hours of the incident. Delaying too long may result in lost evidence, such as surveillance footage being overwritten, making it harder to catch the culprit. Additionally, clearly explaining the location and time to the police helps with case filing. Contacting your insurance company also has time limits—typically, claims must be reported within 48 hours, or it may affect compensation, especially regarding liability determination. Don’t wait—immediately look up the nearest traffic police station online, bring your dashcam footage or phone photos to explain the situation, and this will be much more efficient. Always park in areas with surveillance cameras as a preventive measure.
