How to File an Auto Insurance Claim?
2 Answers
Simply take photos as evidence on the spot and call your insurance company to report the claim immediately. If the accident is severe, request traffic police to confirm the situation. First, determine liability. If both parties agree on responsibility, you can take photos as evidence and then move the vehicles. Try to take wider shots that capture the location and damage details comprehensively. Visit an insurance-direct-repair 4S shop or major repair facility for damage assessment, obtain invoices, and then file for reimbursement with your insurance company. Sometimes there may be additional items requiring reimbursement beyond vehicle damage, such as a damaged utility pole. Consult your insurer about the reimbursement process for such cases.
When your car is involved in an accident and you need to file an insurance claim, follow these steps to ensure a smooth process. First, ensure the scene is safe: move your car to the roadside, turn on the hazard lights, and if there are any injuries, call 120 immediately without moving the injured. Next, document key information: note down the other vehicle's license plate number, make and model, driver's name, and phone number. Take photos from various angles covering the damage and the entire scene, and consider recording a video to prevent false claims. Then, contact your insurance company right away—most have 24-hour hotlines or mobile app reporting platforms. Provide as many details as possible about the accident, and they will assign you a case number. When filling out the claim form, include your policy number and personal identification. The insurer may send an adjuster or request photo evidence. Once processed, the insurance will cover repair costs, but you may have a deductible. Don’t delay the process, and keep all communication records to avoid disputes. For minor accidents, settling privately might save money, as frequent claims can increase next year’s premiums.
