How do I get insurance if someone hits my car?

How do I get insurance if someone hits my car?

While driving, you will inevitably encounter a traffic accident, especially when someone else hits your car. How to correctly handle the insurance claim process is particularly important. This article will combine the hot topics and hot content on the Internet in the past 10 days to provide you with a detailed analysis of the specific steps and precautions for "how to get insurance when someone hits my car" to help you solve the problem efficiently.

1. Accident scene handling

1.ensure safety: First, turn on the double flashing lights and place a warning sign behind the car to avoid secondary accidents.

2.Take photos to collect evidence: Take a panoramic view of the accident scene, the collision site of the vehicle, the other party’s license plate, driver’s license, and other key information.

3.Call the police and contact your insurance company: Dial 122 to call the police and notify your insurance company (even if the other party is fully responsible, you still need to report).

2. Liability determination and insurance claims settlement process

According to the "Traffic Accident Responsibility Determination" issued by the traffic police, follow the following steps after clarifying the division of responsibilities:

3. Frequently Asked Questions (Hot Search Questions in the Past 10 Days)

1.What should I do if the other party is not worthy of reasonable compensation?
You can apply for "subrogation recovery" from your own insurance company, and the insurance company will advance the repair costs and then recover them from the responsible party.

2.How to remedy the situation after regretting having an affair?
If you have gone private but have not signed a written agreement, you must immediately call the police and issue a liability certificate, otherwise the insurance company may deny compensation.

3.What should I do if the maintenance fee is higher than the fixed loss amount?
You can request a reassessment of the damage or provide a 4S shop repair quotation as a supplementary basis.

4. Precautions

• Be sure to report the case to the insurance company within 48 hours. Failure to do so may affect claim settlement.
• Before repairs, it is necessary to confirm the damage assessment plan with the insurance company to avoid excessive out-of-pocket expenses.
• Keep all bills (towing fees, medical bills, etc.) as proof of claim.

Summarize: When encountering someone else's car crash, it is key to handle the scene calmly and collect evidence completely. Taking insurance through standardized procedures can not only protect your own rights and interests, but also avoid subsequent disputes. It is recommended that car owners understand the policy terms in advance and consult a professional lawyer or insurance agent if necessary.