Nowadays, many families have bought cars, although it is still not easy for many families to buy cars in today's booming self-owned cars. Many young people choose loans to buy cars when they buy them. After getting a new car, they cherish their car, whether it is for car maintenance or use. Sometimes, you don't just care about yourself. No matter how careful you drive on the road, you will inevitably encounter an unexpected situation, that is, the car scraped. Sometimes if you drive carefully, others will hit you directly. After that, the first reaction of many car owners was to call the police.

But now many cars are insured. After the car is hit, should I call the police or find insurance first? If the order is written wrong, the insurance company may directly refuse to pay compensation, so the owner can't be careless! After the car is hit, call the police first, then call the insurance company, and pay in normal order after finding the perpetrator. However, sometimes I park my car in a remote place. At this time, there is no monitoring nearby and the driving recorder is not turned on. If I can't find the perpetrator myself, I can only verify the damage by waiting for the insurance company personnel to come over.

And this loss compensation insurance company can only pay 70%, so if you call the police, the police can't find the perpetrator, and at this time, it has been more than 48 hours, and you haven't reported it yourself. In this case, the insurance company won't pay you a penny. Because insurance companies pay attention to practical results, they can't get compensation beyond the compensation time stipulated by insurance companies, so we need to pay attention here. According to the Insurance Law, the insured must notify the insurer within 48 hours after the occurrence of the insured accident, otherwise, the insurer will not be responsible for the losses that cannot be determined or expanded.

If valid certificates can be provided, including the valid accident responsibility certificate or property loss certificate given by the traffic police (such as vehicle repair fees, etc.). ), you can continue to claim from the insurance company. However, it is recommended that you apply for insurance within 48 hours as far as possible to reduce unnecessary troubles. If it is not insured in time due to special reasons, it should also take photos on the spot to keep evidence. If there is no big scratch, you can solve it privately, and don't look for an insurance company, otherwise the premium will rise a lot in the second year, which is not worth the loss.