How to File an Insurance Claim for a MoJie Car Accident?
4 Answers
Bring the insurance policy, vehicle registration certificate, and driver's license to the insurance company. Fill out the "Vehicle Accident Registration Form" and "Accident Notification Form" at the claims department. Take the "Vehicle Accident Registration Form" to the claims department's assessor to determine the repair items and costs. After assessment, you will receive a "Damage Assessment Form". Submit the car and the "Damage Assessment Form" to the repair shop. The repair shop will fix the car according to the "Damage Assessment Form" and provide a "Pick-up Slip" as proof of vehicle collection.
After a collision, stay calm and prioritize safety. Call 120 for an ambulance immediately if anyone is injured. Then secure the scene by turning on hazard lights, and use your phone to take photos or videos capturing the other party's license plate, vehicle damage, and overall road conditions. Promptly report the accident to the traffic police for investigation and obtain an accident liability determination certificate, which is crucial for insurance claims. Next, contact your insurance company’s customer service, provide your policy number and accident details—they will guide you through filing a claim and may send an assessor to inspect the vehicle. Record the other driver’s license information and contact details. Stay composed throughout the process; avoid private settlements and let insurers mediate. Keep documents ready (driver’s license, insurance policy, police report) and choose reputable repair shops for peace of mind. Post-accident emotions may affect driving—wait a couple of days before resuming. Insurance company apps can expedite claims—try downloading theirs for efficiency.
With decades of driving experience and several collision incidents under my belt, here are my insights. First, after ensuring the scene is safe, gather ample evidence: use your phone to photograph vehicle damage, license plates, and don’t overlook road signs and vehicle positions. Never skip reporting to the police for liability determination—the traffic police report is crucial for insurance claims. Next, contact your insurance company to file a claim, providing basic details; they’ll send an adjuster. A key point: avoid moving vehicles or negotiating private settlements—let insurance handle it to prevent being shortchanged. Be patient with the claims process, preparing documents like your driver’s license, policy, and accident report. If liability is unclear, insurers may review surveillance footage. Regularly check if your coverage is comprehensive, especially for motorcycle insurance—adequate coverage ensures swift payouts. Post-accident, reflect on driving habits and consider installing a dashcam for prevention.
After a collision, immediately stop the car and turn on the hazard lights to ensure safety. If there are injuries, call the emergency number 120. Quickly take photos for evidence, including the license plate, vehicle damage, and the overall scene. Call the traffic police to handle the accident and determine liability. Contact your insurance company to report the accident, providing details such as the policy number. The insurance company will arrange for an assessor to evaluate the damage. Prepare necessary documents: driver's license, vehicle registration, insurance policy, etc. Follow up on the claim progress and choose professional repair services. Handle the claim process promptly without delay. Nowadays, electronic insurance policies and apps allow for convenient and quick online reporting. Drive safely to prevent accidents.
