What is the claim process for comprehensive auto insurance?
2 Answers
Insurance clauses generally stipulate that the insurance company must be notified within 48 hours after an accident occurs; otherwise, the insurance company has the right to refuse compensation. All vehicle losses caused by an insurance accident must be assessed by the insurance company before repairs can be made. Assess the loss items and amounts; only after the assessment is completed can the damaged vehicle be repaired. Compensation paid for personal or property damage caused to a third party.
Last time my car got rear-ended, it was my first time dealing with an insurance claim, and I was a bit confused. After the accident, I immediately moved my car to a safe spot to avoid blocking traffic. Then I called the insurance company, and the customer service guy was very patient, asking me about the time, location, accident details, and the other party's information. I also took photos of the car damage and recorded the driver's license details, just in case. Next, I submitted the claim application on the app. The claims adjuster came two days later, assessed the damage as minor, and estimated the cost at five thousand yuan. I chose a partnered repair shop, and the repairs were done in a week, with the insurance company transferring the money directly. The whole process from start to finish took about ten days, and it went smoothly. But I'd advise beginners to report it early and not delay, just in case you run into trouble—it could cost you big time.
