I just bought a new car and experienced a minor accident. I was a bit nervous when reporting the insurance claim, but later summarized some key takeaways. After the accident, the first thing to do is to pull over to a safe spot on the roadside, turn on the hazard lights, and use your phone to take photos documenting the damage locations, angles, and surrounding environment, including key details like traffic signs and streetlight numbers. Never move the car and disrupt the scene unless absolutely necessary to avoid further hazards. Next, check if anyone is injured—if so, call 110 for an ambulance; otherwise, dial 122 to contact traffic police for an accident report, which is crucial for the claim. Then immediately call the customer service number on your insurance policy, stay on the line, and provide a detailed account of the situation, including time, location, involved vehicle plates, and a brief description of what happened—don’t omit key points. The insurer will likely request documentation; I recommend preparing digital copies of your vehicle license, insurance card, and ID card in advance for faster upload via their app. Later, they may send an adjuster to assess the damage—it’s best to choose a partner repair shop for hassle-free service. Throughout the process, act promptly, describe the truth without lying, and the claim will be handled efficiently—usually resolved within about a week. This approach is reasonable and safe.
