How to File an Insurance Claim When Your Car is Hit and the Other Party Cannot be Found?
1 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.
