How to File an Insurance Claim After a Self-Collision?
2 Answers
Methods for filing an insurance claim are as follows: 1. Insurance company repair: If the motor vehicle has purchased collision insurance under commercial insurance, you can directly contact the insurance company. 2. Self-repair: If the motor vehicle does not have collision insurance under commercial insurance, the insurance company will not handle the claim, and you will have to repair the vehicle yourself. More relevant information is as follows: 1. Mandatory insurance: The compulsory insurance that motor vehicles must purchase is the compulsory traffic accident liability insurance (CTPL). As long as the motor vehicle is on the road, this insurance must be purchased for the vehicle to operate legally. Otherwise, driving the vehicle is considered illegal. In the event of a traffic accident, regardless of who is at fault, the uninsured party will bear the responsibility. 2. When to purchase: Under normal circumstances, commercial insurance is purchased after buying the vehicle, along with the CTPL. However, it is not mandatory. If commercial insurance is not purchased at the same time as the CTPL, it can be purchased at any time without issues. Commercial insurance can effectively protect your own vehicle.
Last time I accidentally drove into a wall myself, which gave me quite a scare. I quickly pulled over, engaged the handbrake, and turned on the hazard lights to ensure safety. Then, I used my phone to take several photos documenting the scene, including details like the front-end damage and the exact impact point. Immediately after, I contacted my insurance company to report the incident—they all have 24-hour hotlines—providing my name, license plate number, and clearly stating the time, location, what I hit, and the vehicle damage. After reporting, I followed their instructions to visit a repair shop for an assessment by a mechanic, filled out a claim form, and waited for the process to proceed. As a new driver, I learned a lesson: it's best to get comprehensive insurance to cover losses so you don't have to pay out of pocket. After the repairs, remember to improve your driving skills, minimize phone distractions, and practice reversing more often. The accident was resolved within a week—driving on the road requires steadiness to avoid further mishaps and troubles.
