How to Check Insurance Claim Records?

[MacBella]

Bring the vehicle owner's ID card and visit the insurance company's business outlet to inquire. Call the insurance company's customer service hotline for inquiries. Log in to the auto insurance official website, enter your ID card number, name, etc., to check.

[DelJake]

I've helped friends check their car's insurance claim records a few times before, and the most reliable method I've found is to go directly to the insurance company where the policy was issued. Just bring the vehicle owner's driver's license and ID card to their service counter, fill out an application form, and the staff will pull up all the historical records of reported claims in their system. Nowadays, you can also do it online by logging into the insurance company's app or official website, entering the license plate number and VIN in the policy inquiry section, and selecting the history records to view. If you find it troublesome, some used car platforms also offer paid inquiry services, but you should pay attention to the accuracy of the information. Checking this is quite important—it's how you verify if there are any major accident records before buying a car.

[DiStephen]

Last time I checked my insurance claim records, I directly used the Ping An Good Driver app, which was super convenient. Just open the app, find the policy services section, click into it and select historical claim records, then enter the license plate number and the last four digits of the engine number, followed by facial recognition, and you can view the claim history for the past three years. The apps of various insurance companies are quite similar, the key is to register the vehicle owner's account. You can also call customer service, provide the license plate number and ID number for them to check. Be cautious with third-party platforms as they may easily leak vehicle information. When checking, pay attention to the specific claim amounts and dates—minor scratches are fine, but large claim amounts might indicate the car was involved in a major accident.

[AnnaDella]

The most direct way to check insurance claim records is to contact the insurance company. Call their customer service hotline, provide the policy number and vehicle owner's ID information, and you can obtain the complete claim history within five minutes. Alternatively, bring the vehicle registration certificate to their service counter, where their system can print out a detailed report. Alipay's car owner services also offer this feature, but it requires authorization from the vehicle owner. When checking records, verify the accident type and date, paying special attention to whether there are any major claims involving structural damage. When purchasing a used car, always check these details to avoid being scammed—be especially cautious if repair costs exceeded tens of thousands.

[HoldenLee]

I'm used to checking insurance records through WeChat. After following the insurance company's official account and binding the vehicle, look for the claim record option in the service center, where you'll need to enter the VIN and a mobile verification code. Online queries allow you to see the time of each claim, the assessed loss amount, and the repaired parts. Recently, I also discovered that apps like Che300 can check records, but they charge a fee of around ten yuan. I recommend prioritizing the official channels of insurance companies for the most accurate and complete information. After retrieving the records, pay attention to the repair items—be cautious if major components or airbags were replaced, as such vehicles may have safety risks.