How to Report an Insurance Claim After a Car Accident?
2 Answers
After a traffic accident occurs, immediately contact your insurance company and the traffic police department, while also protecting the scene. Wait for the insurance company's personnel to handle the insurance matters. Below are relevant introductions: 1. Commercial Insurance: Auto insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Property Insurance: Auto insurance is a form of property insurance. Within the realm of property insurance, auto insurance is a relatively young category, as it emerged and developed alongside the advent and popularization of automobiles. Unlike modern motor vehicle insurance, early auto insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body.
I just got my driver's license and had an accident, which made me really nervous, but I knew how to handle it: first, stop the car to ensure safety, turn on the hazard lights, and check for injuries to myself and the other party. If there are any injuries, call 120 for emergency help immediately. After that, call the police at 110, and avoid arguing about responsibility at the scene—just briefly describe what happened. Exchange names, license plate numbers, and insurance information with the other party, and take photos with your phone, including the damaged parts of the vehicles and the overall scene. When contacting your insurance company's customer service, have your policy number and details of the incident ready. After they finish asking questions, they will arrange for a tow truck or repairs. Stay calm, don’t admit fault or get angry, to avoid escalating the situation. Afterward, organize the records and hand them over to the insurance agent to handle the compensation. The whole process isn’t actually difficult—the key is to stay composed. It’s also helpful to save emergency numbers in your phone’s quick dial for easy access.
