Which Party Usually Reports to the Insurance Company in Case of an Accident?

[StGenesis]

In case of an accident, it is generally the vehicle owner who reports to the insurance company. For a single-vehicle accident, such as hitting a wall, utility pole, or curb, simply take photos as evidence and call the insurance company to file a report on the spot. If the accident is more severe, you can confirm with the insurance company whether it is necessary to call the police for verification, primarily to endorse the authenticity of the accident. Steps to handle an accident: 1. Stop the vehicle: After a traffic accident, if the damages are minor, both parties can choose to negotiate a private settlement for quick resolution. If negotiation fails, call the police immediately. Whether settling privately or reporting to the police, the first action after an accident should always be to stop driving, secure the scene, and if possible, take photos to preserve evidence. 2. Report to the police: During the on-site recording by traffic police, always provide truthful statements and evidence. For any property damage caused by the accident, ensure it is documented in the accident report to facilitate later claims for damages.