What is the process for filing a car insurance claim?

[MarleyRose]

Here is the detailed process for filing a car insurance claim: 1. Reporting the Incident: Promptly call the nationwide unified customer service hotline of your auto insurance provider to report the incident. For example, "Pacific Insurance" uses 95500, "Taiping Insurance" uses 95589, or "Ping An Auto Insurance" allows online reporting through the "Ping An Good Driver" app. Insurance regulations stipulate that policyholders must report the incident within 48 hours of the accident. If the report is filed after 48 hours and the policyholder cannot provide relevant accident evidence, the insurance company may refuse to compensate due to the inability to verify the authenticity of the accident and the extent of the damage. 2. On-Site Investigation: After receiving the report, the insurance company will arrange for an adjuster to assist with on-site handling. The adjuster will inform you of the required claim materials, which must be submitted to the insurance company promptly after the accident is resolved. 3. Damage Assessment: The adjuster will assess the vehicle's damage and issue a damage assessment report. If the policyholder agrees with the amount stated in the report and has no objections, they can sign to initiate the claim process. If the policyholder believes the insurance company's assessment is unreasonable, they should refuse to sign the report. 4. Submission and Review of Claim Materials: After the accident is resolved, submit the required claim materials as per the insurance company's instructions. Upon receiving the materials, the insurance company will complete the approval process as quickly as possible and notify you of the results. The review time depends on the claim amount; larger claims may take longer to process. 5. Receiving the Compensation: Bring your ID card to collect the compensation. If someone else is authorized to collect on your behalf, a written authorization letter and the IDs of both the authorizer and the authorized person are required. Compensation can be paid via online banking. During the claim process, simply provide your bank card details and fill out an authorization form. Once the claim is processed, the compensation will be transferred to the designated bank account promptly.