Is It Appropriate to Use Insurance After Scraping Someone Else's Car?
1 Answers
It is appropriate to use insurance after scraping someone else's car. Vehicle insurance, also known as motor vehicle insurance or auto insurance for short, is a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Auto insurance claims process: First, the policyholder can report the incident by calling the insurance company's hotline. It is necessary to promptly provide the policy number, the name of the insured, the name of the driver involved in the incident, contact information, license plate number, time and location of the incident, details of the accident, and the extent of the damage to the customer service representative. The insurance company's customer service center will dispatch an adjuster nearby. The adjuster will contact the policyholder within 3 minutes to understand the details of the incident. Generally, the adjuster will arrive at the scene within 30 minutes in urban areas and about an hour in suburban areas. They will then take photos of the scene for evidence, collect customer information, and assist with rescue and cleanup efforts. The case will be filed, and the liability for the accident will be determined. For incidents within the scope of insurance coverage, the adjuster will complete the system entry for the investigation, estimate the damage, and register the case. The insurance company will further review the case. For claims that pass the review process, the case will be closed, and the claim receipt and closing report will be printed and handed over to the payment department for settlement.
