What is the process for reporting an accident to the insurance company?
1 Answers
The overall process generally includes: reporting the accident, on-site investigation and damage assessment, signing and reviewing claim documents, approval, and settlement. The specific steps may vary depending on the insurance company, but the basic procedure remains the same. Details are as follows: 1. Reporting the accident: After an accident occurs, the first step is to promptly inform the insurance company and request their immediate assistance. It’s important to note that if there are any injuries or fatalities, you should also call 120 for medical assistance and 122 (traffic police hotline, or 110 as an alternative). 2. On-site investigation and damage assessment: Once the insurance company personnel arrive, they will conduct an on-site investigation and assess the damage. At this stage, the policyholder is usually required to provide relevant documents and fill out claim forms. 3. Signing and reviewing claim documents: In simple terms, this step involves the insurance company reviewing the accident claim. If there are any issues, the policyholder will be informed of additional documents needed and the claim will be returned; if everything is in order, this step is completed. 4. Approval: The final approval by the insurance company. 5. Settlement: The insurance company disburses the payment.
