How to File an Insurance Claim When Your Car is Hit and the Other Party Cannot Be Found
3 Answers
Report to the police. The traffic police will arrive at the scene and issue a liability determination document. Then, based on the liability determination document, contact your insurance company to file a claim. 1. Accident Reporting: Call your insurance company or dial 110 to report the accident, and proceed with subsequent handling based on the insurer's instructions. 2. Accident Investigation: The insurance company's surveyor will assist the policyholder in investigating the cause, nature, liability, and extent of the accident. 3. Loss Assessment: Collaborate with the insurer, repair shop, or relevant parties to determine the location, items, and amount of the accident losses. 4. Claim Submission: Depending on the type of loss, gather the necessary documents and submit them to the insurer for claim processing. 5. Claim Settlement: After verifying the accident details and claim documents, the insurer will compensate the policyholder according to the insurance policy terms.
A few days ago, my car was hit while parked on the roadside. When I returned, I found the door dented and the culprit had fled. My first reaction was to immediately call the police at 122 to file a report, so they could come to the scene and make a record. Even if the surveillance footage couldn’t identify the responsible party, it was fine. Next, I contacted my insurance company. Since I had previously purchased comprehensive car damage insurance and no-deductible coverage, they informed me that I could send the car to a designated repair shop for assessment and repairs, with most of the costs covered by insurance. The whole process needs to be quick—it’s best to report the claim within 48 hours of the accident, otherwise, the claim might be denied. Later, I also installed a dashcam to prevent similar incidents from happening again, as I’d have to bear some of the losses if no one could be found. Remember to take plenty of photos to preserve evidence of the scene, including vehicle damage and the surrounding environment, as this is very helpful for insurance review. Parking in safe locations, such as spots with surveillance cameras, can also reduce risks in daily situations.
My car was inexplicably hit in the parking lot, and the other party fled the scene. I immediately called 122 to involve the police and then directly contacted the insurance company's hotline to report the claim. Since I had comprehensive insurance including third-party special coverage, the insurance company sent someone to assess the damage on-site. After the assessment, the repair costs were almost fully covered. The key is to preserve evidence, such as taking photos of the car damage and noting the parking spot number. Reporting the claim shouldn't be delayed too long—it's generally best to get it done within two days. After the incident, I also learned some preventive measures, like parking under surveillance cameras in unfamiliar places and regularly reviewing insurance policy updates for additional coverage. Experience tells you that in similar accidents where the at-fault party can't be found, you'll have to rely on your own insurance to cover the costs. Paying regular attention to your car's condition can save you a lot of trouble.
