How to Report a Car Insurance Claim?
2 Answers
In the event of an accident, report the claim to the insurance company within 48 hours. After reporting, the insurance company will assign a specialist to investigate and assess the vehicle damage. For minor single-vehicle accidents, on-site damage assessment is conducted; for multi-vehicle or severe damage accidents, assessment is done at a designated damage assessment center. Handle the car insurance claim and submit the necessary documents. Submit all required documents to complete the car insurance claim process and receive the claim payment.
That time my car was accidentally scratched by someone else, I immediately pulled over to ensure safety and turned on the hazard lights to prevent secondary accidents. I used my phone to take photos, including a panoramic view of the scene, the position of the vehicles, close-ups of the damaged areas, as well as the other party's license plate and identification information. I promptly called the insurance company's customer service, provided my policy number, the time and location of the accident, and a brief description of what happened. They sent an adjuster to the scene to handle the situation. I waited at the scene without moving around, and once the adjuster arrived, they inspected the damage and took photos for documentation. I signed a confirmation form. For the claim, I prepared copies of my ID card, driver's license, and insurance policy, scanning and saving them in my phone in advance for easy access whenever needed. Delaying the insurance report can make things more complicated, like what happened to my friend who waited a day and ended up with missing evidence, delaying repairs and wasting more time and money. Throughout the process, it's important to stay calm and not act impulsively, communicating amicably with the other party to reduce conflicts and make things go more smoothly.
