How to Claim Insurance for Self-Inflicted Vehicle Damage?

[LeDominic]

Here are the steps to claim insurance for self-inflicted vehicle damage: If you have purchased vehicle damage insurance, you can receive compensation from the insurance company within reasonable limits. Below is an introduction to vehicle damage insurance: 1. External force damage: Collision, overturning, falling; accidental collisions (unintentional impact of the insured vehicle with external objects), rollovers, and other accidents causing damage to the insured vehicle. 2. External object damage: Falling or collapsing external objects; damage to the insured vehicle caused by collapsing external objects, falling airborne objects, or parallel falling during the operation of the insured vehicle. 3. Natural disasters: Tornado; lightning strikes, floods, tsunamis; ground collapse, ice collapse, cliff collapse, avalanches, mudslides, landslides; fire, explosion.

[Frank]

I experienced reporting insurance for self-inflicted car damage last year when I reversed into a tree. First, I parked, turned off the engine, and turned on the hazard lights to ensure safety and that no one was injured. Then, I got out of the car and took comprehensive photos: close-ups and wide shots of the dent on the front, the surrounding environment, and made sure the license plate was clearly visible. I immediately called the insurance company's customer service, explained it was my own fault, and provided details like the time and place (e.g., 7 PM last night in the residential parking lot). They asked for the policy number, which I found in the electronic policy and read out. I filled out an online claim form, uploaded the photos, and described the details. The insurance company sent an assessor to evaluate the damage on-site. Soon after, I paid a few hundred for the deductible, and the repair shop handled the rest, which the insurance covered. Report promptly to avoid delays in claims processing. Drive carefully to prevent accidents.