How to Claim Compensation for New Car Damage?
3 Answers
This type of insurance coverage is considered full-value insurance by the insurance company, and the insured can receive compensation for actual losses in the event of a claim. Although this type of insurance coverage requires lower premiums, it is considered underinsurance from an insurance perspective. This type of insurance coverage usually occurs with rare car models or penalty vehicles.
Having driven for many years, I know that the claims process for minor accidents with a new car is straightforward. Immediately after an accident, contact your insurance company to report the incident. Remember to take photos of the scene with your phone, including the impact points and license plate numbers, so the adjuster has all the evidence when they arrive. Next comes the damage assessment phase, where they evaluate the cost of repairs. It’s recommended to get repairs done at a 4S shop, as they use genuine parts and reliable craftsmanship. Once the repairs are done, the insurance company pays the repair shop directly—no need for you to pay upfront. However, if you choose to repair the car yourself, keep the invoices for reimbursement. Note that if you’re fully at fault, you may have to cover the deductible portion, and your premium might increase slightly next year. So, drive your new car carefully—avoid speeding or distractions, and regularly check your lights and tires to reduce the risk of accidents. These tips come from experience—safe driving is the best way to save on insurance.
As a young car owner, don't panic if your new car gets into a collision—the compensation process is quick. Immediately call your insurance company to report the incident after the accident, and take a short video with your phone as evidence. The claims adjuster will arrive promptly to assess the damage. I recommend choosing a 4S shop for repairs—it's hassle-free and ensures quality. The claim payment goes directly to the repair shop's account, making it convenient and worry-free. If handling it yourself, don’t forget to get a proper receipt. If you're fully at fault, you’ll pay the deductible, and a slight increase in premiums is normal. Drive carefully with your new car, follow the rules to avoid tickets and accidents, and your premiums will naturally stay lower. Also, let’s talk about new car insurance options—comprehensive coverage is worth the extra cost for better protection.
