What to Do If Your Car Is Hit and the Other Party Cannot Be Found?
3 Answers
Directly report to the police for handling. The traffic police will arrive at the scene and issue a liability determination document. Based on this document, you should then call your insurance company to file a claim. Car insurance claims are processed after a traffic accident occurs, where the car owner reports the incident to the insurance company for compensation. The basic process of claim settlement includes: reporting the incident, investigation and damage assessment, receiving and reviewing claim documents, calculation and verification, approval, and final settlement. More details are as follows: 1. Incident Reporting: Call the insurance company to report the incident or dial 110 for police assistance, and proceed with subsequent handling based on the insurer's instructions. 2. Incident Investigation: An insurance adjuster will assist the insurer in investigating the cause, nature, liability, and extent of the accident. 3. Loss Determination: Collaborate with the insurer, repair shops, or relevant parties to determine the scope, items, and amount of the accident loss. 4. Claim Application: Depending on the type of loss, gather the necessary materials for the claim and submit them to the insurer for processing. 5. Claim Payment: After verifying the accident and claim materials, the insurer will compensate the policyholder according to the insurance contract.
My car got hit and the culprit fled—happened to me several times. First, don't panic. Stop immediately without moving the vehicle and check the severity of the damage. Take out your phone and snap multiple photos, including the scratched area and surroundings, especially noting any surveillance cameras nearby—these serve as evidence. Quickly call the police or report to the traffic police station for record-keeping; they have systems to check nearby footage and might locate the responsible driver. Then contact your insurance company, explaining it's a hit-and-run case. If you have collision coverage, you can usually file a claim, though you'll need to cover the deductible. Choose a reliable repair shop and monitor the progress. A quick tip: try parking in well-lit areas or spots with security to avoid further trouble. My lesson? Installing a dashcam saves a lot of hassle—just replay the footage for the truth. Stay calm with minor issues and prioritize safety daily.
Last time my car got scratched and no note was left, I panicked as a new driver. After calming down, I did several things: parked to check the damage location, taking photos as evidence was crucial; called my insurance company to report, they guided me through the no-fault claim process - if the culprit can't be found, I'd have to bear some costs myself. Also filed a report with traffic police for record, though time-consuming, it's safer. Learned a trick from experience: bought and installed a dashcam that records automatically - if something similar happens again, reviewing the video provides much stronger evidence. Changed my parking habits too, now only choosing spots with surveillance cameras. Overall spent a little money but protected my property, feeling much more at ease now.
