How to Properly File an Auto Insurance Claim?
2 Answers
Generally required auto insurance coverages: 1. Compulsory Traffic Insurance: A legally mandated coverage that must be purchased to legally drive on the road. 2. Vehicle Damage Insurance: Provides compensation for losses caused by external factors to the insured vehicle, typically not exceeding 30% of the liability limit. 3. Third-Party Liability Insurance: In the event of major accidents, the compensation amount from compulsory traffic insurance may be insufficient, requiring third-party insurance as a supplement, with coverage options ranging from 50,000 to 2 million. 4. Passenger Liability Insurance: Divided into driver's seat and passenger seat coverage, it compensates for injuries or deaths of passengers caused by accidents, with coverage options ranging from 10,000 to 50,000. 5. No-Deductible Insurance: The insurance company assesses the deductible rate based on the insured vehicle's liability share in the accident, with deductible rates ranging from 5% to 20%. Purchasing this coverage exempts the insured from these liabilities.
I've been driving for over a decade and have encountered a few minor accidents. Here's how to properly file an insurance claim. Last time I had a rear-end collision, I immediately pulled over to ensure safety, turned on the hazard lights, then got out to take photos as evidence - including damage to vehicles, the other party's license plate, and the scene. When contacting the insurance company, I clearly stated the time and location, and also took a photo of the other driver's license to avoid future disputes. Filing claims ASAP is crucial - handling it within 24 hours after the accident is most reliable, never delay as it may affect compensation. I also regularly review my auto insurance policy to ensure coverage is adequate for accidents, which gives me peace of mind. Overall, safety first, complete evidence, and prompt action are key - otherwise insurers might try to shift responsibility.
