How to Claim Insurance for a Fully Insured Car Involved in a Traffic Accident?
4 Answers
If it is a single-vehicle accident, the insurance company will directly compensate according to the vehicle damage insurance. For accidents involving two parties, the traffic police must determine liability. If the motor vehicle party is at fault, the insurance company should be responsible for compensating the other party's losses within the compulsory traffic insurance limit. There are restrictions on the compensation amount.
Last time when I was driving to pick up a friend, I had a minor scrape with another car and got so nervous that my palms were sweating. Fortunately, I had learned about claims procedures. I immediately pulled over, turned on the hazard lights, and first checked if anyone was injured—if someone was in pain, I would have called 120 for help right away. After getting out of the car, we exchanged information, noting down each other’s license plate numbers, driver’s license numbers, and insurance policy numbers. When taking photos, I captured the full scene, the damage to the front of the cars, and the roadside location. Then, I contacted the insurance company’s customer service hotline, providing detailed information about the accident’s time, location, and circumstances. They guided me to upload photos and other documents. Later, I took the car to the designated repair shop for assessment, and the claim was processed faster than expected—everything was settled within a week. Accidents are inevitable when driving, but staying calm and following the steps under full insurance coverage is key. Taking photos for evidence is particularly important.
Having driven for over twenty years, I often advise others not to panic after an accident. The first step is to ensure you safely park away from traffic, turn on hazard lights, and place a warning triangle. If no one is injured, report to the traffic police; if there are casualties, seek emergency assistance first. Then, communicate with the other party to obtain contact details and insurance information, including the policy number and validity period. Take detailed photos: capture license plates, damaged areas, and the surrounding environment. Next, call your insurance company to report the incident, providing specific details—they will arrange for a tow truck or damage assessment. The claims process is usually smooth; keep all receipts for reimbursement purposes.
A minor fender bender happened during our family trip to the countryside. My first reaction was to check everyone's safety. I parked the car with hazard lights on and made sure no one was injured before feeling relieved. I simply noted down the other party's name, phone number, and insurance policy number, and took some photos of the vehicle damage with my phone for backup. When contacting the insurance company, I clearly explained the cause of the accident, and they guided me through the next steps, such as going to a repair shop for inspection. I recommend checking the validity of your insurance before every drive to prevent unexpected incidents. Life's little mishaps can be quickly resolved to continue the journey.
