What is the process for filing a car insurance claim?
2 Answers
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.
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.
