How to Handle Car Accident Claims After a Collision
Cars may encounter accidents while in motion, and dealing with claims after an accident is a concern for many car owners. This article will introduce the specific steps and key points for handling car accident claims.
If an accident occurs, the first task is to ensure the safety of all personnel involved. If someone is injured, it is essential to call emergency services (120) immediately. Additionally, turn on the hazard lights (flashers) and place warning triangles behind the vehicle at a suitable location to prevent secondary accidents.
Next, report the incident to the traffic police department and insurance company. Reporting to the traffic police is essential, as they will conduct an investigation on site, determine liability, and issue a liability recognition letter. When reporting to the insurance company, provide accurate information about the accident, including the time, location, and circumstances of the incident. Typically, insurance companies require that claims be reported within 24 hours or 48 hours after the accident, depending on the insurance contract.
During the waiting period for the insurance adjuster and traffic police to arrive, it is essential to protect the accident site. If the vehicle needs to be moved, such as to avoid obstructing traffic, take photos or record videos of the accident site before moving the vehicle, recording information about the vehicle's location, collision area, and braking marks. This information is crucial in subsequent claims processing.
The assessment stage is also critical. The insurance company's adjuster will evaluate the damage to the vehicle, determine the repair plan and claim amount. Car owners can choose to have the vehicle repaired at an insurance-designated repair shop or select a qualified repair shop of their own; however, they should be aware that if the selected repair shop's costs exceed the insurance company's assessed damages, the excess portion may need to be borne by the car owner.
The materials needed for claims processing also require preparation. Typically, these include:
| Material Name | Description |
|---|---|
| Insurance Policy | Proof of vehicle insurance coverage |
| Driver's License and Vehicle Registration | Proof of the car owner's legal identity and vehicle registration |
| Liability Recognition Letter | Issued by the traffic police department, determining liability |
| Repair Invoice | Proof of repair costs provided by the repair shop |
| Assessment Report | Insurance company's assessment report on vehicle damage |
After preparing the necessary materials, submit them to the insurance company for review. Upon passing the review, the insurance company will process the claim in accordance with the insurance contract. Typically, payment will be made within a certain time frame, and the specific timeframe may vary depending on the insurance company.
If disputes arise during the claims process, such as disagreements over the assessed damages, car owners can negotiate with the insurance company. If negotiations fail, they can file complaints with the insurance regulatory department, apply for arbitration, or initiate litigation through the court to protect their legal rights.