How to File a Claim After Hitting Your Own Car
3 Answers
Immediately call your insurance company. When the insurance company personnel arrive at the scene, the car owner should present their insurance documents, driver's license, vehicle registration, and ID card. After verifying the information, fill out a claim form, which requires a detailed and objective description of the specific process of the accident. Also, provide the claimant's detailed phone number and identity information. The staff will conduct an on-site verification based on the owner's description. Wait for the claim approval. More relevant information is as follows: 1. Taking photos for car insurance: Whether photos are needed for car insurance mainly depends on the type of insurance the owner has purchased. For example, for comprehensive insurance, scratches, or glass insurance, photos must be taken to prove that the vehicle was undamaged before the insurance was purchased. This is part of the insurance company's vehicle inspection process, and specifically, six photos are required. 2. Photo method: Take one photo each from the 45° angle of the front left, rear left, front right, and rear right corners, one photo of the VIN, and one photo of the person with the car. Each photo must include that day's newspaper, clearly showing the date. Additionally, the owner cannot take photos in an underground parking lot.
Hi, I've also experienced hitting a wall while driving. The first step is to ensure safety: park the car stably, turn off the engine, engage the handbrake, and turn on the hazard lights to alert other drivers. Get out of the car to check if anyone is injured, including yourself or others, and call 120 for emergency assistance immediately if needed. If there are no injuries, taking photos is crucial: capture the front, rear, side of the car, details of the impact point, and nearby road signs for documentation. Before contacting your insurance company, prepare your policy number and the time and location of the accident, clearly describing it as a single-vehicle incident. They will send an adjuster to inspect the scene or ask you to visit a designated assessment center, and decide on the claim based on the findings. Throughout the process, avoid moving the car hastily to prevent secondary risks. For minor repairs, consider paying out of pocket, as making a claim can increase next year's insurance premiums. Always cultivate the habit of staying focused while driving to avoid distractions like using your phone.
After hitting a tree myself, I thought about how to make an insurance claim wisely. First, consider the costs: there's a deductible part in the insurance, so if the repair cost is less than that, it's better not to report it, otherwise, next year's premium might increase even more. Assess the damage: get a quote from a repair shop, and handle minor scratches yourself. When it's worth claiming, the first step is to ensure safety by taking photos to record details, then contact the insurance company to fill out forms and report. During communication, stick to the facts and avoid exaggeration to prevent claim denial. After handling the claim, choose a reliable repair shop, and regular car maintenance can reduce breakdowns. From a money-saving perspective, prevention is key: drive slower and use rearview mirrors more often.
