What to Do When Your Car Gets Hit?
3 Answers
After a traffic accident occurs, the first thing to do is to report to the traffic police and then call your insurance company. Let the traffic police determine who is at fault and how to handle the situation, while the insurance company assesses the damage and determines if it falls within the claim coverage. Follow the instructions of the traffic police first, then take your car to the repair shop as required by the insurance company. Here are the specific steps: 1. Damage Assessment: Typically, if the vehicle damage is not severe, the insurance surveyor can assess the damage on the spot. If the damage is significant, you will need to go to an assessment center. 2. Submit Claim Documents: According to the insurance policy, the policyholder should submit the necessary accident documents to the insurance company within ten days after the traffic authorities have concluded the case. Once these steps are completed, the car owner can wait for the insurance company's claim notification with peace of mind.
I remember the last time my car was rear-ended. I was on the highway, so I first pulled over to the side of the road and turned on the hazard lights to ensure I wouldn’t cause a secondary accident. Then, I checked myself and the other party for injuries—it’s best if no one is hurt, otherwise call 120 immediately for an ambulance. After that, don’t panic. Exchange insurance cards, driver’s license information, and phone numbers with the other party. Take photos and videos as evidence, including license plates, damage locations, and the surrounding environment. Report the incident to the police, especially if there’s property damage, as the police report can help the insurance company process the claim. Contact your insurance company as soon as possible to describe the accident—they’ll guide you on the next steps, such as arranging a tow truck or a repair shop for assessment. Stay calm throughout the entire process to avoid further trouble.
When I first started driving, even a minor scratch would make me tremble with nervousness. After a collision, I quickly stopped the car and turned on the hazard lights to prevent other vehicles from hitting it again. If someone was injured, I provided first aid immediately. If there were no injuries, I took a deep breath to calm down and communicated with the other party in a friendly manner to exchange information, avoiding hasty accusations. I used my phone to take photos from all angles and noted the time and location to prevent disputes later. After returning home, I reported the incident to the insurance company as soon as possible, and they would either send someone to inspect the damage or arrange for repairs. Reflecting on it later, I realized that accidents are opportunities to learn, teaching me to prepare an emergency kit in the car in advance.
