I hit the guardrail by car and didn't report insurance, did I?
This is your first loss. Have you made any commercial insurance? There is one in the commercial risk, regardless of the risk of indemnity. If you guarantee, call the insurance company directly, call the police, and go down with the normal process. Because it is a unilateral accident, the responsibility is very good, and the processing flow will be very fast. Second, if you are afraid to pay the barrier money, and casually find a wall collision, also reported to the insurance company, police, processing is very convenient, insurance companies should pay.
Why do you buy insurance?. 1, specifically to see what you buy insurance, there is no driving liability, if it is not deductible, the general insurance is to pay in full; 2, traffic accidents are generally not penalized; 3, the facts are clear, now the insurance company claims procedures is very convenient, the amount is not large and complete formalities generally you can get the money directly.
Third, if you think the trouble you can call the garage to do insurance, they are the professional unit pianbao, you don't have to worry about, to provide materials, etc. car, take the car. Fourth, the general small unilateral accident, no casualties, traffic police are not to the scene. There is no penalty for a single accident. Before 2000 yuan is not required to open the accident liability certificate, now looks like 10000 below as long as the police for the record, it is convenient. Fifth, my real experience, be bumper scratching, directly against the wall, alarm, report the insurance company, the traffic police did not come, the insurance company to assess the damage, 4S shop maintenance did not spend a penny, for 1 weeks the money to the account. Sixth, after buying insurance, commercial insurance to buy it, the insurance company will accompany the touch. I hope it works for you
