What to do after reporting to insurance when hitting someone while driving?
2 Answers
The insurance company should proactively visit the accident scene for investigation and assess the damage to the vehicle involved. When the policyholder goes to the insurance company to handle the claim procedures, they should bring relevant documents such as the vehicle registration certificate, insurance contract, and accident liability determination letter. After on-site damage assessment, if the policyholder has no disputes regarding the above list, they should sign to make it effective as the basis for the insurance company's claim settlement. If there are disputes, they can refuse to sign.
I also encountered a similar situation that day. After reporting to the insurance company, don't panic. First, secure the scene to avoid secondary accidents. Quickly call 122 to report to the traffic police for liability determination, and also call 120 for emergency medical assistance for the injured. Remember to take photos of the scene as evidence, including the positions of the vehicles and the condition of the injured. When the insurance company contacts you, explain the incident in detail and cooperate with the damage assessment. Regarding the medical expenses of the injured, if you can advance the payment, keep all receipts, but it's best to wait for the insurance company to handle the subsequent claims. The entire process may take one or two weeks, so be patient and communicate while handling the documents. Also, wait for the damage assessment to be completed before repairing the car, and don't settle privately. Safe driving is the most important; always observe more carefully at intersections in the future.
