How to claim for severe vehicle damage?
2 Answers
First, the insurance company underwriting compulsory traffic insurance shall compensate within the liability limit. If the compensation is insufficient, the insurance company underwriting commercial third-party liability insurance shall compensate according to the insurance contract. If there is still a shortfall, the infringing party shall compensate in accordance with the relevant provisions of the Road Traffic Safety Law and the Civil Code. Vehicle damage insurance refers to the damage caused to the insured vehicle when the insured or the driver permitted by the insured is involved in an insured accident while using the insured vehicle.
That time my car got rear-ended pretty badly, the entire rear bumper was deformed. I immediately pulled over and turned on the hazard lights, first placing a warning triangle at a safe distance. I quickly dialed 122 to report the accident to the police, while also calling my insurance company to file a claim. The operator instructed me to take photos of the scene from different angles using my phone, including the positions of both vehicles, road condition signs, and close-ups of the license plates. When the traffic police arrived at the scene, they issued a liability determination document, and I made three copies of it. The claims adjuster contacted me the next day and asked me to drive directly to their partnered 4S dealership. Before the repairs, I repeatedly confirmed that the repair list matched the insurance assessment, with all the replaced parts clearly listed. The insurance payout was deposited within two weeks after submitting all the required documents, and I made sure to keep all the repair invoices safe.
