How to Contact the Insurance Company After an Accident?
2 Answers
Check the insurance policy or insurance card, and call the customer service number of the insurance company as indicated. Briefly explain the time, location, and circumstances of the accident. The insurance company will dispatch the nearest loss assessor or inspection vehicle to assist in handling the situation. The specific claims process, compensation amount, and reimbursement ratio will be subject to the insurance company's regulations. For details, please contact the corresponding insurance company for consultation. Below is relevant information about the insurance company's handling process: 1. On-site inspection and loss assessment: The insurance company will conduct an on-site inspection to assess the loss. If it meets the terms of the insurance contract, the insurance company will compensate as agreed. 2. Compulsory traffic insurance takes priority: Compulsory traffic insurance is prioritized for compensation. If the compensation is insufficient, commercial insurance (if purchased) will cover the remaining amount. Apply for commercial insurance compensation, and if the compensation is still insufficient, the at-fault party will make up the difference. Additionally, if insurance other than compulsory and commercial insurance is purchased, compensation will be made according to the relevant regulations of the purchased insurance type.
After the accident, I immediately stopped the car to ensure everyone's safety, turned on the hazard lights, and placed a warning sign. I first exchanged information with the other driver, including name, phone number, driver's license number, and insurance policy number, and took photos of the accident scene and vehicle damage as evidence. I then immediately called the insurance company's 24-hour hotline, provided my policy number and basic details, described the time and location of the incident, and clearly shared the other party's information. Within half an hour, a claims adjuster called to arrange for a vehicle repair assessment. It's important to stay calm and not rush during the process, as delaying the report could complicate the claim. In case of a major accident, it's advisable to first report it to the traffic police for documentation to facilitate subsequent procedures. Keeping complete records helps avoid future disputes.