What is the process for vehicle damage assessment and insurance claims?

[OOlivia]

Here is a detailed introduction to the vehicle insurance claim process: 1. Report the incident: (1) After the accident occurs, preserve the accident scene and immediately report the incident to the vehicle's insurance company. (2) If third-party damages involve road facilities or other vehicles, report to the traffic police department. 2. On-site handling: (1) Insurance company personnel arrive at the scene and issue an "Inspection Report." (2) Traffic police arrive at the scene and issue an "Accident Determination Certificate." 3. Third-party repairs: If the third party is a non-motor vehicle, it is best to request that the insurance company personnel directly agree on a damage assessment price with all three parties (third party, insurance company, and vehicle owner) during on-site handling. If the damage cannot be assessed immediately, request the insurance company to provide a damage assessment price during or after the third-party loss assessment process. 4. Vehicle damage assessment and repairs: (1) Deliver the damaged vehicle to the assessment center and notify the insurance company for assessment. (2) The repair shop fixes the vehicle. (3) The vehicle owner picks up the car. 5. Submit documents for claims: Claims: Gather all required claim documents and submit them to the insurance company to process the claim. 6. Loss adjustment: After receiving all necessary claim documents, the insurance company conducts a loss adjustment to determine the final compensation amount. 7. Compensation: The insurance company's financial personnel transfer the compensation amount, as calculated by the claims adjuster, to the vehicle owner's designated account.