How to File an Insurance Claim After Hitting Someone Else's Car?

[MacEmery]

A minor collision between two vehicles is considered a bilateral accident and requires reporting to the police. Traffic police will arrive at the scene and issue a liability determination certificate. Based on the liability determination certificate, you should then contact your insurance company to file a claim. If only one party is fully at fault, only the at-fault party needs to report the incident to their insurance provider. An insurance adjuster will visit the scene to assess and photograph the damage, and all repair costs will be compensated according to the actual losses.