In the busy city, Xiao Li drives his car to get off work every day, but he never thought that an accident would happen. One day, he unfortunately encountered a small accident, and his heart was full of anxiety and uneasiness. However, he remembered that he had compulsory car insurance. After a simple claims process, Xiao Li quickly received the compensation he deserved, allowing him to regain confidence and move on. Compulsory automobile insurance is not only a legal requirement, but also an important line of defense to protect the safety of you and others. In the face of accidents, it can provide you with timely support and help!

Table of Contents

• Detailed explanation of compulsory automobile insurance claims process
• Common claims issues and their solutions
• How to prepare the documents and evidence required for a claim
• Professional advice to improve claims success rate
• Frequently Asked Questions
• in short

Detailed explanation of compulsory automobile insurance claims process

Compulsory automobile insurance is a type of insurance that every car owner must purchase to ensure that you can obtain basic compensation and reduce the financial burden in the event of a traffic accident. But do you know how to file a claim? Don’t worry, the claims process for compulsory auto insurance will be explained in detail below so that you can apply for claims smoothly and protect your own rights when needed.

First of all, after an accident, be sure to stay calm, call 110 immediately, and notify the insurance company. At the scene, please try to collect relevant evidence, such as: photos of the accident scene, eyewitness information, the other party’s driver’s license, driving recorder images, etc. These evidences will help the smooth progress of the claim.

Next, you need to prepare relevant documents, including:

• Accident scene photos
• Alarm record
• driver license
• vehicle license
• insurance policy
• medical expense receipt
• proof of loss

After organizing these documents, you can go to the insurance company to handle the claim process. The insurance company will review your application documents and make claims in accordance with relevant regulations. Usually, the claim amount will be released to you by check or remittance after approval.

Common claims issues and their solutions

• After an accident occurs, call the insurance company’s customer service number as soon as possible and explain the accident in detail. The insurance company will send personnel to the scene to assist in processing and provide relevant claim information.
• Keep all relevant evidence, such as photos of the accident scene, contact information of witnesses, police report records, etc. This evidence will help your claim application go smoothly.
• In accordance with the requirements of the insurance company, prepare documents required for claim settlement, such as driver's license, driving license, vehicle repair estimate, etc. Complete documentation will help speed up the claims process.
• If you have any questions about the claim amount or process, please feel free to contact the insurance company’s customer service personnel. The insurance company will try its best to help you solve the problem and ensure your rights.

How to prepare the documents and evidence required for a claim

The claims settlement process is cumbersome, and preparing complete documents and evidence can effectively improve the efficiency of claims settlement and avoid unnecessary disputes. The following is a list of common documents required for claims, please check carefully and keep them properly:

• Original compulsory automobile insurance policy:Prove your insurance information, including insurance period, insurance amount, etc.
• driver's license:Confirm driver qualifications and provide driver information.
• Driving recorder footage or related evidence:It helps clarify the responsibility for the accident and provides an objective account of the incident.
• Photos or videos of the accident scene:Record the accident scene conditions, such as vehicle damage, road conditions, etc.
• Police report form:Prove that the accident occurred and record relevant information.
• Medical expense receipts:If injured, receipts for relevant medical expenses are required.
• Other relevant documents:For example, car repair estimate, vehicle loss certificate, etc.

In addition to the above documents, you also need to provide a detailed description of the accident, including the time, location, cause of the accident, etc. If there are witnesses, please obtain their contact information as soon as possible and ask them to help provide testimony.

Preparing complete documents and evidence can not only speed up the claim settlement process, but also effectively protect your rights and interests and prevent insufficient evidence from affecting the claim settlement result. It is recommended that you keep all files in a safe place and make a backup copy to prevent loss.

Professional advice to improve claims success rate

• Be fully prepared and get twice the result with half the effort:The first step in settling a claim is to prepare relevant documents. In addition to basic information such as photos of the accident scene, police report, and driver's license, you should also pay attention to additional documents that the insurance company may require, such as car repair estimates, medical expense receipts, etc. The more complete the information, the more efficiently claims settlement efficiency can be improved.
• Master the timeliness and avoid losses:Compulsory automobile insurance has a claim limitation period, which is generally within two years after the accident. If the time limit is exceeded, you may face the risk of claim failure. Therefore, it is recommended that you submit a claim application to the insurance company as soon as possible after the accident and actively cooperate with the insurance company in relevant investigations.
• Communication and coordination to resolve disputes:During the claims process, it is inevitable that you will encounter some problems or disputes. It is recommended that you stay calm, maintain good communication with the insurance company, and actively coordinate to solve the problem. If necessary, you can seek help from professionals, such as lawyers or insurance agents, to protect your own rights and interests.
• Understand the terms and rights protection:The terms of compulsory automobile insurance are complicated. It is recommended that you read the insurance contract carefully to understand your rights and interests. If you have any questions about the terms and conditions, you can consult your insurance company or professionals. Only by mastering the terms and conditions can you effectively safeguard your rights and interests during the claims process.

Frequently Asked Questions

Frequently Asked Questions about Compulsory Auto Insurance Claims

Compulsory auto insurance is necessary to protect you and others, but do you know how to make a claim? Here are four frequently asked questions to help you better understand the claims process:

1. What should I do after an accident?

   • Call 110 immediately to call the police and notify the insurance company.
   • Keep photos and evidence of the accident scene, such as dash cam footage.
   • Seek medical treatment as soon as possible and keep receipts of medical expenses.

2. Under what circumstances can I apply for a claim?

   • Personal injury or damage caused by traffic accidents, such as death, serious injury, minor injury.
   • Property losses caused by traffic accidents, such as vehicle damage and other property damage.

3. How to apply for a claim?

   • Prepare relevant documents, such as police records, medical expense receipts, accident scene photos, etc.
   • Go to the insurance company to handle the claim procedure, or apply through the online platform.

4. How long does it take to settle a claim?

   • The claim settlement time will vary depending on the complexity of the case, but generally takes 1-2 months.
   • The insurance company will process your claim application as soon as possible, please wait patiently.

If you have further questions, please feel free to contact your insurance company or a professional claims advisor who will be happy to assist you.

in short

Understanding the compulsory auto insurance claims process will allow you to fight for your rights more efficiently when an accident occurs. Don’t hesitate, get the relevant information now and be fully prepared for your driving safety!