How to File a Car Insurance Claim?
2 Answers
Take photos for evidence and immediately call your insurance company to report the incident. If the accident is severe, confirm with your insurer whether police involvement is required for official verification. Go to an insurance-direct-repair 4S shop or a large repair facility for damage assessment. Generally, consulting your insurance company will provide recommendations.
Last time I scraped against a guardrail, my first reaction was to call the insurance company to report the incident. The customer service representative asked for detailed information: the exact time and location, whether anyone was injured, and if it was a single-vehicle accident. Remember to explain these clearly, otherwise it might delay the damage assessment. After reporting, it's best to wait at the scene for the surveyor to take photos. If they don't come, take comprehensive pictures yourself of the collision area, license plate number, and surrounding environment, especially the wheel direction and road markings, as these are useful for determining liability. If a third party is involved, never sign any private settlement agreement—wait for the insurance company to handle it. By the way, providing the policy number directly to the customer service rep can speed up information retrieval; don't wait for them to ask.
