What is the insurance claim method for a damaged car?
2 Answers
The insurance claim method for a damaged car is as follows: 1. Report the incident: After the accident, preserve the accident scene and immediately call the insurance company to report the incident. 2. On-site handling: For minor damages, the insurance company will send someone to inspect the scene and issue an "Inspection Report"; for major damages, if the inspector deems it necessary to involve the traffic police, they will report to the traffic police department, who will then conduct an on-site investigation and evidence collection, and issue an "Accident Determination Certificate". 3. Damage assessment and repair: The car owner sends the vehicle to the damage assessment center and notifies the insurance company simultaneously for assessment; the repair shop fixes the car; the car owner picks up the car.
Last time my car was rear-ended, the insurance company handled it quite smoothly. First, I reported it to the police for record, took photos of the scene including the damage locations and the other party's license plate. Then I contacted the insurance company to file a claim, and they sent an assessor to inspect the car. I drove the car directly to the 4S shop for repairs, informing them to handle it through insurance so I didn’t need to pay upfront. Finally, I sent the repair invoice and claim documents to the insurance company, and the money was directly deposited into my card. The whole process took two weeks, but my premium increased by over 800 yuan the next year upon renewal, so now I handle minor scratches myself. Remember, taking photos immediately is crucial, otherwise, insufficient evidence could lead to disputes.
