How to File an Insurance Claim for a Self-Inflicted Car Accident?

[MichaelAnn]

There are two scenarios for filing an insurance claim for a self-inflicted car accident: 1. Only compulsory traffic insurance is purchased: If the vehicle only has compulsory traffic insurance, you cannot file a claim and will need to cover the repair costs yourself. 2. Commercial insurance with vehicle damage coverage is purchased: You can directly contact the insurance company, which will assess the damage and arrange for vehicle repairs. Important notes for those with vehicle damage coverage: 1. Do not move the vehicle arbitrarily: After an accident, avoid moving the vehicle or having someone else drive it to prevent affecting the normal claims process. 2. Wait for the insurance company to assess the damage: Only after the insurance company has photographed and assessed the damage can the vehicle be sent for repairs. Do not conduct private inspections or determine the vehicle's condition; everything must wait until the insurance company's personnel arrive.