Insurance Claim Process for a Totaled Car with Full Coverage?
2 Answers
You can choose to report the accident immediately or afterwards, and prepare the following materials yourself. For minor vehicle damage, take photos and obtain a damage assessment form. Find a repair shop to fix the car. Submit the claim application at the insurance company's office.
Oh man, that car crash was absolutely terrifying – my beloved car was completely totaled. When dealing with the insurance claim, I immediately called the insurance company to report the accident. They asked for details like time, location, and personnel involved. After that, I had to report to traffic police for an accident certificate – this step couldn’t be skipped. The loss assessor arrived quickly, took photos, and inspected the extent of the damage. I had to provide copies of my insurance policy, ID card, driver’s license, etc. If the car was confirmed as a total loss, they calculated the compensation based on market value, deducting the deductible amount – that’s what I’d receive. I was worried they might undervalue my car, so I dug out the purchase invoice and maintenance records to argue for a fair price. After a few days, the payout arrived, and I quickly got a new car. The key throughout this process was staying calm, communicating frequently, taking photos for evidence, and prioritizing safety by not tampering with the scene. I’d recommend regularly documenting your car’s condition with photos – it speeds up insurance handling if anything happens. What a lesson learned!
