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What should I pay attention to when filing an insurance claim for car repairs?

2 Answers

TravisAnn

09/01/25 2:08am

Detailed introduction is as follows: File a claim promptly: After a traffic accident occurs, the car owner should protect the scene and report the incident to the insurance company within 48 hours, truthfully describing the accident process, providing the insurance policy, waiting for the insurance company's surveyor to arrive at the scene for inspection, and filling out the "Claim Application Form" at the same time. Understand the claim coverage: Understand the scope of claim rejection and exemption. Small losses may not be worth claiming: Because when renewing car insurance, the insurance company has a premium discount clause, which means that if the vehicle has not been involved in any claims within a year, a premium discount of about 10% can be enjoyed upon renewal the following year; if there has been no claim record for several consecutive years, the premium discount can reach up to about 30%. Road accidents: Have the traffic police issue a certificate and then report to the repair shop. The repair shop can handle the full set of damage assessment.

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MacLeonardo

09/13/25 5:06am

I just got my driver's license and was quite nervous when dealing with the accident insurance claim. First, take photos immediately after the accident to document the scene details and damage. Then, quickly contact the insurance company to report the claim—don’t delay too long to avoid rejection. When choosing a repair shop, confirm with the insurer whether there’s a designated location; otherwise, find a trustworthy garage yourself. During repairs, communicate frequently to track progress and ensure thorough fixes that don’t compromise safety. Don’t forget to calculate the deductible portion, as you’ll need to cover some costs. If you’re left without a car, check if the insurance covers rental fees. Learn from the process to be more experienced next time—after all, preventing accidents is key, and regular brake and tire checks can reduce mishaps. Stay patient and cooperative to complete the claim smoothly.

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