How to File an Insurance Claim When Your Car is Hit and the Other Party Cannot be Found?
3 Answers
Report to the police, and the traffic police will issue a liability determination document upon arrival. Then, based on the liability determination document, call the insurance company to file a claim. Auto insurance claims refer to the process where the car owner files a claim with the insurance company after a traffic accident. The basic workflow of the claim process includes: reporting the incident, investigation and damage assessment, receiving and reviewing claim documents, calculation and verification, approval, and settlement. More details are as follows: 1. Incident Reporting: Call the insurance company to report the incident or dial 110 to alert the police, and proceed with subsequent handling based on the insurer's information. 2. Incident Investigation: The insurance company's investigator will assist the insurer in investigating the cause, nature, liability, and extent of the loss. 3. Loss Determination: Collaborate with the insurer, repair shop, or relevant parties to determine the location, items, and amount of the accident loss. 4. Claim Submission: Based on the type of loss, gather the necessary materials for the claim and submit them to the insurer for processing. 5. Claim Settlement: After verifying the accident and claim materials, the insurer will compensate the policyholder according to the insurance contract.
That day after work, I found my car had been hit, and the surveillance didn’t catch the culprit. I was both anxious and furious. Later, I recalled the insurance process—the first step was to call the police. Filing a report with 110 to get an accident certificate was especially important. Then, I called the insurance company to report the incident. They asked for very detailed information, like the exact time and location. I quickly took photos of the scene, especially the damage details on the car and the surrounding environment, which were very useful for the claim. The insurance company asked me to wait for an adjuster to assess the damage. The repair cost 8,000 yuan, and since the responsible party wasn’t found, the insurance handled it as an 'unidentified third party' case, covering over 7,000 yuan, leaving the rest for me to pay. The lesson is not to panic, follow the steps, and try to park in areas with more surveillance in the future.
When discovering my car was scratched with no culprit in sight, I immediately focused on three crucial steps. First, call 122 to report to traffic police for an on-site accident liability certificate – this document proves hit-and-run. Then contact my own insurance company to file a claim, emphasizing the car was properly parked when hit with no identifiable at-fault party. Next, take multi-angle photos including overall damage, debris on ground, nearby traffic signs and other details. Choosing insurer-approved 4S shops simplifies repairs, but remember comprehensive insurance has deductibles – typically covering about 70%. Later I joined a neighborhood WeChat group where residents help monitor each other's car surveillance footage, significantly reducing such incidents.
