What to do if the car was hit but not noticed at the time and only found out later?
2 Answers
If you have commercial insurance, you can file a claim for compensation, but only 70% of the repair costs will be covered, and the remaining 30% will need to be borne by yourself. Below is the relevant information: Additional Information: Insurance Claims: Claims settlement is the concrete manifestation of an insurance company executing the insurance contract, fulfilling its insurance obligations, and assuming insurance responsibilities. On one hand, only with good claims work can the insured's losses be properly compensated, the functions of insurance be realized, the smooth operation of social reproduction and the normal stability of people's lives be ensured, and the insurance company's reputation be enhanced. On the other hand, through insurance claims, the quality of underwriting business can be inspected, weaknesses in loss prevention and mitigation work can be exposed, making it easier for the company to further grasp the patterns of disaster and accident occurrences, summarize and learn from experiences and lessons, and further improve and enhance the company's operational management.
Last time my car had this issue, it was really frustrating. Immediately check the damage to the car, taking photos from different angles as evidence is crucial, including the dents and the surrounding environment. Quickly recall the parking location and time, and check if there are any surveillance cameras nearby, such as those from shops or community monitors. If there are, promptly contact the management to request the footage. Remember to report it to the police to file a record; the traffic police will issue a certificate, which is important for subsequent claims. Also, contact your insurance company to explain the situation and submit evidence to see if you can file a claim under the uninsured third-party liability coverage. In the future, try to park within clear view of surveillance cameras or equip your car with a dashcam that has parking monitoring to avoid suffering in silence. Also, make it a habit to walk around your car and inspect it after parking, addressing any issues immediately if found.
