What to Do with Insurance When Your Car Is Hit and the Other Party Cannot Be Found?
2 Answers
Call the insurance company's customer service hotline within 48 hours to report the incident, providing a general description of your vehicle's condition. After the insurance company's surveyor arrives at the scene, they will verify the cause, nature, and extent of the damage. Next is the damage assessment process, where the repair shop evaluates the vehicle's damage, and both the insurance adjuster and the vehicle owner sign off on the assessment if there are no objections. Gather all necessary documents for the case and submit them to the insurance adjuster to process the claim. After undergoing reviews by various departments within the insurance company, the claim will be approved, and the compensation will be transferred to the vehicle owner's account.
Last time my car got scratched in the parking lot and I couldn't find the culprit, so I immediately called 122 to report to the police. The officers will come to issue an on-site confirmation report - make sure to keep this document safe. Then contact your insurance company to file a claim right away, remembering to report within 48 hours. Without 'Unable-to-find-third-party' special coverage, you might have to pay 30% out of pocket, which is why I specifically added this rider during renewal - it only costs a few dozen yuan per year and is totally worth it. When taking photos, clearly capture the damaged areas and surrounding environment, ideally including nearby surveillance camera locations. For the damage assessment, bring copies of your vehicle license and driver's license - the insurer will follow standard procedures. Before repairs, always confirm the repair plan with the claims adjuster to avoid future disputes.
