How to File an Insurance Claim After Your Car is Hit?

1 Answers
DeAlex
07/30/25 3:09am
After your car is hit, the insurance claim process is as follows: 1. Call your insurance company; 2. When the insurance company personnel arrive at the scene, present your insurance documents, driver's license, vehicle registration, and ID card; 3. Fill out a claim form; 4. The staff will verify the situation on-site based on your description and take photos as evidence; 5. The staff will go to the repair shop or 4S store to assess the repair costs of the damaged parts; 6. Wait for the claim to be approved, after which you can receive the compensation. Whether you need to take photos for car insurance mainly depends on the type of coverage you have purchased. For example, for coverage like car damage, scratches, or glass insurance, you must take photos to prove that the vehicle had no pre-existing damage before the insurance was taken out. This is part of the insurance company's vehicle inspection process.
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