How to File an Insurance Claim After a Self-Inflicted Car Accident?
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If you have purchased commercial insurance with vehicle damage coverage, you can proceed with an insurance claim. Other types of insurance include: 1. No-Deductible Commercial Insurance: Most commercial auto insurance policies stipulate a 5%-15% accident liability deductible. In the event of an accident, the policyholder is required to bear a portion of the costs. By purchasing no-deductible insurance, the portion that the policyholder would normally have to pay can be transferred to the insurance company, allowing for full compensation. 2. Compulsory Traffic Insurance (CTI) Compulsory Traffic Insurance primarily provides timely and basic coverage for personal injuries and property losses resulting from road traffic accidents. CTI is mandatory, meaning all owners or managers of motor vehicles driven on roads within China must purchase this insurance.
If you accidentally hit something after driving, remember to stay calm, stop the car, and turn on the hazard lights first. Make sure you and others are unharmed, and call 120 for emergency help if there are injuries. Then take photos, including wide-angle shots to prove the scene location, wheel direction, and close-ups of the damaged parts from multiple angles—these are crucial evidence for insurance claims. Next, contact your insurance company by phone to report the incident, clearly stating the accident time, location, and cause (e.g., you didn’t notice and hit a wall), and provide your policy number and personal identification details. The insurer will guide you through filling out an electronic form or uploading photos, and sometimes you may need to report to traffic police for an official certificate. After waiting for an assessor to inspect the scene, they will arrange for car repairs—it’s recommended to go to an authorized repair shop to avoid extra costs. Don’t panic during the whole process. Regularly check your car’s condition, such as whether the brake lights are working, to reduce the chances of accidents. Safety comes first—reflect on your driving habits after an accident to avoid repeating mistakes.
