How to File an Insurance Claim When the Third Party Cannot Be Found After a Car Accident?
2 Answers
Customers should fill out the 'Business Accident Registration Form,' and the staff will file the case based on the insurance certificate provided by the customer. Within one working day after receiving the notification from the insurance company's internal staff, the inspectors will complete the on-site investigation and inspection, requesting the customer to provide relevant documents. The insurance company's financial personnel will transfer the compensation amount calculated by the claims adjuster to the bank account specified by the car owner.
Last time my car was scratched while parked on the roadside, and the culprit was nowhere to be seen. It was really frustrating. I immediately called 122 to report to the police. When they arrived, they took a statement and photographed the damage to the vehicle, as well as recorded video of the surrounding area, just in case the insurance company required it. After reporting to the police, I quickly contacted my insurance company to have them send someone to assess the damage. The key was to check if my car insurance included 'Non-Found Third Party Liability Coverage,' since I had comprehensive insurance, which meant I would have to bear 30% of the deductible—meaning part of the repair costs would come out of my own pocket. The whole process took me half a day, but it went relatively smoothly. The insurance company approved it quickly, and I was able to get it fixed directly at a partnered repair shop. I recommend that car owners opt for such additional clauses when choosing insurance to minimize their own losses. When something happens, don’t panic—just follow the steps, and it’ll be the most hassle-free.
