What is the process for filing a car insurance claim?
1 Answers
Below is the detailed process for filing a car insurance claim: 1. Report the incident: Immediately call the national unified customer hotline of your auto insurance provider to report the claim, such as Pacific Insurance's 95500, Taiping Insurance's 95589, or Ping An Auto Insurance through the "Ping An Good Driver" app for online reporting. Insurance policies stipulate that policyholders must report the incident within 48 hours of the accident. If reported after 48 hours without providing relevant accident evidence, the insurance company may refuse the claim due to inability to verify the accident's authenticity and damages. 2. On-site inspection: After receiving the report, the insurance company will arrange for an inspector to assist with on-site handling. The inspector will indicate the required claim materials, which must be submitted to the insurance company promptly after the accident is resolved. 3. Damage assessment: The assessor will evaluate the vehicle's damage and issue a damage assessment form. If the policyholder agrees with the amount on the form and has no objections, they can sign to initiate the claim. If the policyholder disagrees with the assessment, they should refuse to sign. 4. Submit claim materials and review: After resolving the accident, submit the required claim materials as per the insurance company's instructions. Upon receiving the materials, the insurance company will complete the review process as quickly as possible and notify the policyholder of the result. The review time depends on the claim amount; larger claims require more time. 5. Receive compensation: Bring your ID card to collect the payment. If someone else is collecting on your behalf, provide a written authorization letter along with both the authorized person's and the delegate's ID cards. Compensation can be paid via online banking; simply provide your bank card details and fill out an authorization form during the claim process. The payment will be transferred to the designated bank account promptly after the claim is processed.
