What is the car insurance claims assessment process?
2 Answers
If there is an accident scene, it is necessary to arrive at the scene within the agreed time to conduct an inspection (take photos), first understand the accident mechanism, and determine whether it falls within the insurance coverage. Notify the traffic police for investigation, then formulate a repair plan, prepare an inspection report, collect claims documents, and start the claims process.
As a seasoned driver who frequently travels on business, I'm quite familiar with the car insurance claims settlement process. After an accident occurs, the first thing to do is call the insurance company to report the case – timing is crucial, as delayed reporting may lead to evidence being compromised. Then wait for the claims adjuster to arrive for on-site inspection. They'll use cameras or smartphones to photograph and document the damage location, extent, and details. I always take backup photos myself just in case. Next, they'll conduct a preliminary assessment of the loss amount, possibly negotiating parts prices with repair shops before issuing the final compensation figure. When getting repairs done, you can choose either a network garage or a shop you trust. Finally, the insurance company transfers the payment. The entire process usually takes just a few days, but don't rush into signing the agreement – review all terms carefully to avoid under-compensation.
