What to Do When Your Car is Hit by Someone Else?

[VanGenevieve]

If your car is hit by someone else, you can seek compensation from the at-fault party and their insurance company. Here is an introduction to auto insurance: 1. Introduction: Motor vehicle insurance is a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Coverage: The insured clients are mainly legal entities and individuals who own various types of motor vehicles. 3. Scope: The insurance primarily covers various types of cars but also includes specialized vehicles such as electric cars, battery-powered vehicles, and motorcycles. 4. Calculation Formula: The formula for calculating vehicle damage insurance premium is (Base Premium + Vehicle Purchase Price * Rate) * Discount Factor.

[AlexisLee]

When my car was hit, my first reaction was to ensure safety. I immediately moved the car to the roadside or a safe spot and turned on the hazard lights to alert other vehicles. After getting out of the car, I first checked if I or the other driver was injured. If there were injuries, I would immediately call an ambulance or ask passersby for help. Then, I called the police to come to the scene and make a record, avoiding any arguments about fault at the scene. I used my phone to take photos of the entire accident: the damaged parts of the vehicles, the other party's license plate number, the road environment, and traffic signs—these pieces of evidence are very useful for subsequent claims. After that, I exchanged information with the other driver, including names, phone numbers, driver's license numbers, insurance company names, and policy numbers, and noted them down in my notebook. Once everything was handled, I contacted my insurance company as soon as I got home to report the accident and let them handle the claim. Throughout the process, I stayed calm and didn’t let emotions affect my judgment—safety always comes first. After reflecting on the incident, I decided to keep an emergency kit in my car to better handle similar accidents in the future.

[SanZoe]

After the car was hit, my first thought was to interact with the other party. I would stop the car, get out, and carefully avoid traffic. I would check the extent of the damage to see if it was severe, and if there was a spare tire, I wouldn’t touch it unnecessarily. I would politely ask the other party for their driver's license and insurance policy, noting down key details like their name, phone number, and insurance company, and I would also proactively provide mine. If the other party was cooperative, I would keep the conversation simple and avoid discussing fault; if they were uncooperative, I would only gather the necessary information without engaging further. Taking photos is a must—capture the scene from multiple angles, including wheel positions and traffic signals. Reporting to the police is crucial; even for minor accidents, I would request an officer to come and write a report to prevent disputes later. Afterward, I would notify my insurance company to start the process, describing the facts without exaggeration. They might arrange for a tow truck or repair shop, and I would follow their guidance. Handling it this way saves time and effort, and I wouldn’t delay until the next day to prevent loss of information.

[LaZane]

After being hit, I immediately turned on the hazard lights and pulled over. Took a few photos to document the scene, including the vehicle damage and the other party's license plate. It's crucial to obtain the other party's name, phone number, and insurance details—don't miss these. If it's safe, call the police to file a report, or you can go to the traffic police station afterward to supplement the report. The key is to contact the insurance company; after reporting the accident, they handle all the claims procedures. I followed their instructions to upload photos and information and waited for review. If the car is undrivable, call a tow truck and wait for the claim to be processed before taking it to a repair shop. The whole process is straightforward and quick—don't let a minor issue escalate, and stay calm.