Auto insurance claims are a key part of car insurance, involving a series of processes for car owners to apply for compensation from insurance companies after a traffic accident. Here's a general car insurance claim process and what to look out for:
The car insurance claim process.
1.Immediate action after an accident:
Keep everyone safe.
If someone is injured, call emergency services immediately**.
Turn on the hazard warning lights and set up warning signs to prevent secondary accidents.
2.Call the police and record the accident:
Even if it is a minor accident, you should call the police, and if there is a person**, you should call 120 immediately.
Wait for the traffic police to arrive at the scene and cooperate with the investigation of the accident scene.
Obtain a traffic police accident certificate or a liability certificate.
3.Gather Evidence:
Take photos and note the scene of the accident, including the location of the vehicle, the damage, and the surrounding environment.
Record the time, place, and information of the parties involved (name, license plate number, etc.) of the accident involved. If there are witnesses, make a note of their contact information.
4.Contact the insurance company:
Notify your insurance company as soon as possible to report the accident and provide basic information about the accident.
Follow the instructions of the insurance company for the next step.
5.Insurance company on-site investigation:
The insurance company will send a surveyor to conduct an on-site survey to assess the damage and the division of liability.
Make sure the surveyor understands all the factual details.
6.Send in for repair and submit claim information:
Take the vehicle to a designated or approved repair shop in accordance with the insurer's guidelines.
Submit the necessary claim documents, such as insurance policy, driving license, driver's license, accident certificate, repair list, etc.
7.Insurance Company Claims Review:
The insurance company will review the submitted information to determine the amount of compensation.
If you have any objections to compensation, you can negotiate with the insurance company and seek legal help if necessary.
8.Car Repair & Compensation:
After the insurance company confirms the amount of the claim, the workshop starts repairing the car.
After the repair is completed, the insurance company will pay the repair shop or the owner directly based on the amount of the claim.
Precautions. 
Choose insurance wisely: When buying car insurance, you should choose the right insurance product according to your actual situation to ensure that the coverage meets your needs.
Report the accident in a timely manner: You should report the accident immediately after the accident, as delays in reporting the accident may affect the claim.
Truthful Statements: The information provided to the insurance company must be true, and any misrepresentation may result in the claim being voided.
Preserve evidence: Properly keep evidence such as the accident scene**, eyewitness information, etc., to support the claim.
Follow the process: Strictly follow the insurance company's claim process, and do not repair the car or replace parts without authorization.
Understand the terms: Familiarize yourself with the terms and conditions of the insurance contract, especially the deductible, deductible, etc., and understand the responsibilities and expenses you need to bear in the event of an accident.
Maintain communication: Maintain good communication with the insurance company, and follow up and confirm the progress of claims and car repairs in a timely manner.
Respect professional judgment: Listen to professional opinions on the degree of damage to the vehicle and the repair plan.
Following the above process and precautions can help car owners complete their car insurance claims more smoothly. If you encounter any problems during the claim process, you should communicate with the insurance company in time to solve them, and if necessary, you can seek legal assistance.