Auto insurance guide · September 3, 2026 · 4 min read
Minor Repair Costs — Should You File a Claim Right Away?
Parking lot scrapes are hard to avoid. Many people’s first instinct is to file immediately. It is usually worth pausing to check two numbers in order.
1. Check two numbers first
2. Situations where handling it privately is not advisable
These involve more moving parts. It is better to walk through the carrier’s process early and understand the steps before deciding what to do next.
- Someone is hurt, or says they feel unwell at the scene
- Fault is unclear or the other party is evasive
- The other driver has no insurance or will not share information
3. Photos and the order of steps
Whichever route you end up taking, those photos are useful. Photographs taken later rarely capture the spatial relationships of the original scene.
4. Worth thinking through in advance
- What your deductible actually is.
- Where the Declarations Page is, so you can find it immediately.
- What information you keep in the car so you are not searching under pressure.
车险科普 · 2026年9月3日 · 约 4 分钟阅读
修车费不高，要不要马上报保险？
停车场的小刮蹭几乎躲不掉。很多人的第一反应是马上报 Claim。我一般建议先停一下，按顺序看两个数字。
一、先看两个数字
二、这几种情况不建议自己私下处理
这类情况牵涉的因素更多，建议尽早按保险公司的流程把步骤了解清楚，再决定下一步。
- 有人受伤，或者当场说不舒服
- 责任不清、对方态度不明
- 对方没有保险，或不愿提供信息
三、现场拍照与处理顺序
不管后面走哪条路，这些照片都用得上。事后补拍，往往拍不出当时的现场关系。
四、提前想好这几件事
- 自己的免赔额是多少。
- 保单摘要页放在哪里能马上找到。
- 车上常备哪些信息，事发时不用现翻。