Car accident urgency

[littlefish]

Yestoday 1 AM or so, somebody hit my second-hand Car and run away, by chance, the resident caught the Licence No. and reported to Police, finally they found the driver, the police asked me to call my insurance company. If you have some advice,please help me how to report to my insurance company in this situation? Thank you for your help.

My phone no: 233-6315 or leave your word here, your kind-hearted attention will be appreciated.

 

[keen_observer]

All you need to do is to call your insurance company, and report this is a hit-and-run incident. And you also need to tell the insurance company you have already filed a police report regarding this incident, and the insurance company will ask for the police file number for reference.

If you car needs repairs, your insyrance company will pay for it, and this claim will most likely treat as a compehensive claim; you may need to pay the cliam dedutible.

 

[UNDEAD_CHN]

was ur car parked?
chances are the other driver don't have insurace,
talk to ur insurace broker 1st or a lawyer,
if u were driving,
you can probably sue him and get loads of cash for it, for example, take his house, his car...

oh, and if u alrdy caught the guy, and if u dont sue the person urself, the insurance company will, and chances are you wont have to pay ur deductable

 

[littlefish]

最初由 keen_observer 发布
All you need to do is to call your insurance company, and report this is a hit-and-run incident. And you also need to tell the insurance company you have already filed a police report regarding this incident, and the insurance company will ask for the police file number for reference.

If you car needs repairs, your insyrance company will pay for it, and this claim will most likely treat as a compehensive claim; you may need to pay the cliam dedutible.

Thank you for your information, I don't understand what mean by " a comprehensive claim, or the claim deductible" please explain it a lit bit, thank you once again.

 

[keen_observer]

If you have full coverage, chances are your insurance will contains Collision Coverage and Compehensive Coverage. Collision is the insurance coverage for car accidents caused by you. Comppehensive coverage is generally refer to other items that is not collision. for example, if your car's windshiled hit by a flying rock on the highway, and is damaged. You can claim compenhensive coverage your the windshield replacement. Every claim you make, there is a dedutible amout you need to pay. Let say your compenhensive dedutibel amount is $500. and the cost of replace the windshield is $1000; then you will need to pay the first $500 as a claim dedutible, and the insurance company will pay the rest.

最初由 littlefish 发布


Thank you for your information, I don't understand what mean by " a comprehensive claim, or the claim deductible" please explain it a lit bit, thank you once again.