How to Report a Vehicle Collision to Insurance?
3 Answers
When a collision occurs between vehicles, keep the scene undisturbed and call the traffic police at 122 to report the incident. The traffic police will arrive at the scene to determine liability and issue an accident report. The responsible party should then call their own insurance company to file a claim. Below is relevant information about auto insurance: 1. Introduction: Auto insurance, also known as motor vehicle insurance, is a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Types of Auto Insurance: Commercial insurance is an open policy and is divided into basic insurance and additional coverage, where additional coverage cannot be purchased independently. Basic insurance includes third-party liability insurance and vehicle damage insurance (comprehensive coverage). Additional coverage includes total theft insurance (theft coverage), onboard liability insurance, no-fault liability insurance, cargo falling liability insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and no-deductible special coverage.
If your car gets hit, safety comes first. Park safely, turn on the hazard lights, and check for injuries. Then exchange information with the other party—names, phone numbers, and insurance policy numbers—and take photos of the damage and the scene for evidence. Don’t delay in contacting your insurance company; call immediately to report the incident. Last time, I used the app to report it faster—uploaded photos, and the agent guided me through the form. Keep all documents, like police reports or repair receipts. The claims process usually takes one to two weeks, but staying proactive is key. For serious accidents, call the police; even minor scrapes should be reported to avoid disputes later. Delaying a report might give insurers an excuse to deny the claim. The key is to stay calm—it’s not as complicated as it seems.
Insurance Claim Steps Clearly Explained. After an accident, park the car, engage the handbrake, and turn on hazard lights to ensure safety. Exchange information including driver's license number and insurance policy, take photos of vehicle damage and road conditions from multiple angles. Contact your insurance company's hotline immediately upon returning home to report accident details—typically you'll need to fill out an electronic form or mail documents. Keep repair shop estimates and receipts; after submitting a claim, the company will send someone to verify damages before payment. Common rookie mistakes: forgetting photos or delaying reports—install a dashcam and pre-save emergency numbers; learn from each incident for smoother next-time handling. Preventive habits: regularly check policy updates and contact info, minimize claims to reduce hassle but prioritize safety above all.
