How to Claim Compensation for Comprehensive Auto Insurance?
2 Answers
One is actual total loss, where the vehicle is completely destroyed and cannot be repaired; the other is constructive total loss, where the vehicle can be repaired, but the repair costs reach the actual value of the vehicle. Clearly explain the specific situation to the insurance customer service at the time, and then proceed with the specific compensation.
Last year, I had an accident, and the claims process is still fresh in my memory. Right after the accident, I called the police and then immediately contacted my insurance company. They instructed me to take photos of the scene, note down the other party's license plate number, and collect contact information. Soon after, the company sent an adjuster to inspect the vehicle and assess the damage. A week later, I visited the designated repair shop with my policy, ID, and accident report. The repair costs were directly covered by the insurance company, so I didn’t have to pay much out of pocket. The entire process took about two weeks and went smoothly. I recommend everyone to get comprehensive insurance when driving. In case of an accident, stay calm and make sure to preserve evidence. Also, regularly review your policy details to avoid missing anything, so you won’t be caught off guard during claims.
