How to File an Insurance Claim After a Car Accident?
3 Answers
After receiving the report, the insurance company will quickly dispatch its claims adjuster to investigate the accident. The damaged vehicles and property will be assessed to determine the loss amount according to regulations. For accidents involving injuries, immediately call the 120 emergency number to send the injured to the hospital for treatment. Once the relevant liabilities are clarified, both parties involved in the accident will undergo mediation by the traffic police department in accordance with laws and regulations. The responsible party will then fulfill their respective compensation obligations to conclude the case.
After a traffic accident, don't panic when dealing with insurance claims. I've been driving for 20 years and handled many such cases. The top priority is ensuring safety—move your car to the roadside and turn on hazard lights. If no one is injured, that's best; if there are injuries, call an ambulance immediately. Next, report to the police, who will issue an accident report, a crucial document for insurance claims. Remember to take photos and videos with your phone, capturing the full scene, license plates, and damage details to avoid disputes later. Exchange driver's licenses, phone numbers, and insurance policy numbers with the other party politely—no arguments. Then call your insurance company's customer service to report the accident, explaining the details clearly; they'll guide you on next steps. Afterward, get your car repaired and keep the invoice, then file a claim with the accident report and documents. The insurer will pay after their investigation. Don't delay the process—generally, report within 48 hours to avoid complications. When choosing insurance, don't just go for the cheapest option; comprehensive coverage saves a lot of hassle.
I was super nervous after the accident, almost forgot the key steps during that rear-end collision. First, calm down, pull over safely with hazard lights on, take photos of the scene and the other party's license plate, then exchange driver's license numbers and insurance details. I immediately called my insurer to report the claim—they asked about the accident time, location, and vehicle damage, instructing me to keep documentation pending further notice. Later, I got the car repaired, submitted the invoice, and finalized the claim. New drivers should regularly review policy coverage to avoid post-accident surprises. Maintain safe following distance to prevent collisions, and if accidents occur, communicate openly without shifting blame. Quick handling saves hassle—my friend delayed reporting and nearly missed the deadline.
