What to Do When Your Car is Hit and the Other Party Reports to Insurance?
2 Answers
First, after a vehicle accident occurs, if it can be determined that the other party is fully at fault, ask them to call their insurance company to have an insurance agent come to the scene. The insurance company personnel will arrive to take photos for evidence, issue documents, and then request the traffic police and both parties to confirm. Drive or tow your car to a repair shop or 4S store by yourself, and then give the insurance documents to the repair personnel.
Here's how I handled my last rear-end collision: First, I turned on the hazard lights, got out of the car, and took photos from multiple angles—front, back, left, and right—to clearly capture the scene and license plates. Next, I exchanged driver's licenses and insurance information with the other party, making sure to photograph their insurance policy with my phone. When the insurance adjuster arrived to assess the damage, I requested repairs at a 4S shop and arranged for a loaner car. Finally, the repair bill was sent directly to the other party's insurance company for settlement. Avoid private settlements throughout the process, record all phone calls, and make extra copies of the repair invoices for backup. Within a month after repairs, check the frame and paint quality—you can still file a claim if there are issues.