How to File an Insurance Claim After a Car Collision?
2 Answers
After a car collision, the vehicle owner should immediately call their insurance company. If the accident involves injuries, it is also necessary to notify the traffic police department to come to the scene for liability determination; otherwise, the insurance company will not compensate. When the insurance company personnel arrive at the scene, the owner should present their insurance documents, driver's license, vehicle registration, and ID card. Here is additional information: Inspection: The staff will conduct an on-site verification based on the owner's description and take photos as evidence. The staff will go to the repair shop or 4S store to assess the repair costs of the damaged parts. After verification, the owner will be notified whether they agree to the assessed amount. If there are no objections, the claim process will begin.
I've gained quite some experience in handling car accidents. The first thing to do after a collision is to ensure the safety of yourself and others, then park the car and turn on the hazard lights. If there are serious injuries, immediately help the injured and call the police. Next, take photos to document the scene, including the positions of the vehicles, damage details, the other party's license plate, and their documents, as these can prevent disputes. Contact your insurance company right away to report the accident, providing the time, location, and details of the incident. They will guide you through the claims process, such as submitting photos online or filling out forms, and cooperating well can speed up the repair process. I always keep records of all communications in case of disputes, as they serve as evidence. For repairs, it's advisable to choose shops recommended by the insurance company, as they guarantee quality and can save you money. Remember not to settle privately for major accidents, as the repair costs might be higher later. In short, stay calm when dealing with accidents on the road, and follow the steps to smoothly handle insurance claims.
