What is the process for filing a car insurance claim?

[MacValentina]

After an accident occurs, preserve the accident scene and immediately report the incident to the insurance company. The vehicle owner should take the car to a repair shop and notify the insurance company simultaneously. The repair shop will provide an estimate, and the insurance company will assess the damage. Pay the repair shop in full for the repair costs, then collect the claim documents and submit them to the insurance company to complete the claim process. Upon receiving all the required claim documents, the insurance company will perform a calculation to determine the final compensation amount. The insurance company's finance department will transfer the compensation amount, as calculated by the claims adjuster, to the vehicle owner's designated account.

[VonClaire]

When I first started driving, I had an accident and found the process quite annoying. The basic procedure for car insurance claims is: After an accident, I immediately stop the car in a safe place, turn on the hazard lights, and set up a warning triangle to prevent others from hitting it. Then I call 110 to report the accident, explaining the location and situation, and then call the insurance company's claim hotline to inform them of what happened. The insurance company's personnel quickly arrive at the scene to investigate, and I cooperate with them by taking photos of the car damage and recording details, avoiding moving anything unnecessarily. Next is the damage assessment stage, where the insurance company evaluates the repair costs; I send the car to the repair shop, and after the repairs are completed, they directly handle the claim payment, with me only paying the deductible portion. Throughout the process, I must keep evidence, such as photos of the scene taken with my phone and the other party's information, to make the claim process smoother. I recommend that beginners ask friends for advice to avoid mistakes in panic, as this process usually takes just a few days to complete.

[VanGianna]

I've been driving for many years and have filed several claims, so I'm very familiar with the process. When an accident occurs, I immediately call the insurance company's hotline to report it, quickly explain the situation, and skip involving the police unless there are injuries. The insurance company sends an adjuster promptly, and I cooperate with inspecting the vehicle damage and discussing repair options. After the assessment, I choose one of their partnered repair shops for convenience and cost savings, as claims are settled faster. During repairs, I track the progress to avoid unnecessary delays. I prepare all claim documents, such as policy copies and ID documents, and submit them at once. The whole process emphasizes efficiency—no dawdling. I also remind myself to keep accident photos as evidence to prevent disputes. Developing this habit saves time and effort, making the claims process hassle-free.

[Campbell]

As a safety-conscious person, I prioritize protecting myself when my car is involved in an accident. In the event of a collision, I first stop in a safe area and set up warning signs to prevent secondary risks. I then call 122 to report the incident and notify my insurance company with detailed information. When the claims adjuster arrives, I proactively describe the incident to ensure accuracy. For repairs, I choose authorized shops to guarantee quality, and after settling the claim, I reflect on my driving habits. Throughout the entire process, I remain calm and put safety first.