What is the method for car insurance claims?
2 Answers
Car insurance claims processing mainly includes three procedures: case acceptance, on-site investigation and damage assessment, and claims settlement. It can be specifically divided into 9 steps: vehicle accident, report, on-site handling, claim request, insurance company's accident investigation, accident handling, claim materials submission, claim review, and claim payment. Timely reporting of accidents is crucial!! Especially for major accidents. When calling the insurance company to report a claim, you need to provide basic information such as the policy number, time and location of the accident, and the nature of the accident. Temporary license plate vehicles generally only have short-term compulsory traffic insurance, with specified routes and time periods. The insurance company is not responsible for any accidents that occur outside the specified routes and time periods.
I've been driving for over twenty years and have handled several insurance claims, gaining quite a bit of experience. After an accident, the top priority is ensuring everyone's safety—if no one is injured, pull over. Then call the insurance company's customer service to report the incident. Remember to use your phone to take photos and videos of the scene, capturing the license plate, damaged areas, and surrounding environment. Also, note down the other party's name, phone number, and insurance policy number. When you get home, fill out the claim form promptly—don’t procrastinate. I once delayed submitting it by a day and ended up with a week-long delay in processing. The insurance company will send someone to assess the damage—never exaggerate the extent of the damage, as getting caught could lead to claim denial and more trouble. While waiting for the claim result, prepare all necessary documents: a copy of your driver’s license, a detailed description of the accident, and the repair estimate. The whole process requires patience—it can take anywhere from a few days to several weeks. Finally, choose a reputable repair shop—don’t cut corners by going to a cheap, unreliable one. Regularly review your insurance policy coverage details to avoid being caught off guard in critical moments.
