What is the process for vehicle damage assessment?
2 Answers
In the event of a traffic accident, the first step is to report to the traffic police to determine liability for the accident. At the same time, the insurance company will survey the scene, assess the damage to the vehicle, arrange for repairs, and finally issue an invoice for claims. The specific process is as follows: 1. Protect the scene: The insurance company's surveyors need to determine liability based on the accident scene. Therefore, the vehicle owner must not leave the scene and should promptly protect the accident site. 2. Prevent disputes: If the claim amount exceeds 2000 and the insurance company cannot determine liability based on the scene evidence, it will inevitably lead to disputes over liability. This is because it involves the proportion of the claim. Without a proper vehicle damage assessment, the insurance company's procedures will be difficult to complete.
The first time I dealt with car damage assessment, I was quite confused. After the accident, I immediately called the insurance company to report the claim, and they dispatched an assessor to the scene or repair shop. The process is straightforward: the assessor carefully inspects all damaged areas, takes numerous photos for documentation, such as body scratches or internal component damage. Then, they estimate the repair costs, including parts and labor hours. I need to confirm the quote and agree before the car enters the repair shop. Finally, the insurance company pays the repair shop directly. The entire process usually takes a few days to a week or two. The key is to ask for details, don’t rush to sign, and check for hidden issues like frame deformation to avoid extra costs later. Lesson learned: push the insurance progress, keep all receipts ready to prevent delays affecting travel plans.
