Will the insurance company compensate if the car is damaged by itself?
2 Answers
If the car is accidentally damaged, you can claim compensation from the insurance company, but it must comply with the insurance terms for the company to pay. The claims process is as follows: 1. After calling 110, contact the insurance company. After the accident, you should report to the police and contact your insurance company, and try to protect the scene for evidence collection to ensure reliable compensation. After reporting the case, do not forget to collect proofs and materials related to the nature, cause, and extent of the loss of the insurance accident, as these documents are crucial for future vehicle insurance claims. 2. The insurance company will, based on the accident situation, advise the customer to wait for on-site inspection and damage assessment by the staff or guide the customer to a quick damage assessment center. Personnel appointed by the insurance company will inspect the accident scene, collect relevant information, record the time and place of the accident, investigate the cause of the accident, and assess the loss, etc., to further calculate the vehicle insurance claim amount. Some accidents require the insured to go to the quick damage assessment center. 3. Submit a claim application to the insurance company. At this stage, the policyholder submits an insurance claim application within the scope of the insurance contract and provides corresponding claim documents to request compensation. After investigation and verification by the insurance company, and upon confirmation, the insurance company will issue a compensation notice to the policyholder, who can then go to the insurance company to collect the compensation. Of course, many insurance companies now ask customers to provide a copy of the insured's bank card when submitting a claim application, and the compensation will be transferred to the insured's account afterward. It is important to note that the time limit should not be exceeded.
I've been driving for over a decade and once experienced a situation where my car hit a tree. Fortunately, I had purchased collision insurance at that time, and the insurance company covered all the repair costs. The key is whether you've bought the right insurance—collision insurance specifically handles such incidents, like hitting walls or poles. As long as there's no drunk driving or hit-and-run, the insurance company will generally pay. When dealing with such cases, you need to take photos of the scene and call the insurance company to report the incident. Don't wait too long, or it might become difficult to determine liability. I recommend all car owners regularly check their insurance policies and not just buy compulsory traffic insurance to save money—otherwise, paying out of pocket for repairs can be tough, especially now that parts are expensive. A single accident can easily cost thousands. Being more cautious in daily driving to reduce the risk of accidents is also a good way to save money.
