What to do in case of damage without a third party?

Stay calm and assess the situation

When you discover that your vehicle has been damaged, take a deep breath. Stay calm and inspect the damage carefully. If your car is still in a condition that allows you to drive it safely, assess whether it’s roadworthy. If not, contact roadside assistance or a tow service to have your vehicle safely moved.

Document the damage

Take clear photos of all the damage to your vehicle. It’s important to document not just the car itself, but the surrounding area and any potential contributing factors, such as objects you may have hit or weather conditions(like fallen branches after a storm). These photos will be essential when you file an insurance claim.

Review your insurance coverage

Once you’ve assessed the damage, it’s time to review your insurance policy. Your next steps depend on the type of insurance coverage you have. There are two main types of coverage that apply:

• Comprehensive coverage (All-Risk): This insurance often covers damage to your vehicle caused by incidents such as hitting an object, storm damage, or vandalism, even if there’s no third party involved.
• Third-party liability (Basic): This type of coverage usually doesn’t cover damage to your own vehicle. It only covers damage to other people’s property or injuries caused by you.

Contact your insurance provider

Notify your insurance company about the incident as soon as possible. Provide them with all the necessary details, including the photos and a description of what happened. If you have comprehensive coverage, they will guide you through the process of filing a claim. If not, they’ll explain the limitations of your policy and help you understand what to expect.

File a claim (If Applicable)

If you have comprehensive insurance and the damage is covered, you’ll need to file a claim. Your insurer may require you to submit repair estimates and could send an adjuster to assess the damage. Be prepared to follow their instructions and to provide any additional information they request.

Repair your vehicle

Once your claim is approved, take your car to an authorized repair shop or one recommended by your insurer. Ensure that all repairs are done properly,and keep records of the repair work for future reference.

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