According to the different requirements of insurance companies, they report the case to the traffic police or police station. Some insurance companies only require proof of residential property. You must report to the insurance company. The insurance company will send people to inspect the site, and generally inform you to report to the traffic police, police station, real estate license, etc. Some of them may be unnecessary, you can just check the website. Even if you buy all risks, you can't get 100% compensation. The accident belongs to others, and the parties concerned are not responsible. According to the insurance clause, you can compensate 70%.
If the insured motor vehicle suffers losses within the scope of insurance liability, the third party shall be responsible for compensation, but if the third party cannot be found, the insurer shall compensate, but within the amount that meets the compensation requirements, an absolute deductible of 30% shall be implemented.
According to the provisions of the Road Traffic Safety Law, a traffic accident refers to an incident that causes personal injury or property loss due to the fault or accident of vehicles (including motor vehicles and non-motor vehicles) on the road. However, not all personal injuries or property losses caused by vehicles can be called traffic accidents, which must occur on the expressway; Urban roads and places under the jurisdiction of the unit but allowing social motor vehicles to pass, such as squares, public parking lots and other places for public access. The basis of traffic accident claim is the traffic accident certificate.
If the parked vehicle is found to be scratched or scraped, first call the insurance company to report it for the record (reporting by the insurance company does not mean that it is in danger), then receive a phone call from the loss adjuster of the insurance company, take photos or videos of the other party, and finally issue a certificate (the certificate of the traffic police).
legal ground
Road traffic safety law
Article 73 The traffic administrative department of the public security organ shall, according to the on-site inspection, inspection and investigation of traffic accidents and the conclusions of relevant inspection and appraisal, make a traffic accident identification in time as evidence for handling traffic accidents. The traffic accident certificate shall state the basic facts, reasons and the responsibilities of the parties, and shall be served on the parties.