In 2026, auto insurance claims have been standardized and digitized: call the police first, report to the insurer within 48 hours, and get an assessment before repairs. The entire process takes seven steps, with the fastest payout in one day. The most significant change is that depreciation losses are now covered, up to 20%.
Seven-Step Standard Process
Step 1 — Report: After an accident, immediately turn on hazard lights, take photos for evidence, and report to the insurance company within 48 hours. Step 2 — Inspection: The insurer conducts inspection through AI voice reporting, online survey, or on-site inspection. Step 3 — Assessment: The assessor confirms repair items and costs. Step 4 — Repair: Repairs are carried out at an insurer-approved repair facility. Step 5 — Submit materials: Submit required claim documents. Step 6 — Review: The insurer reviews the claim materials. Step 7 — Payment: Upon approval, the compensation is transferred, with the fastest completion in one day.
Key Changes in New Rules
The most significant change in 2026 auto insurance claims is the inclusion of depreciation losses, with compensation up to 20%. This change is particularly beneficial for new car owners and luxury vehicle owners. Additionally, the popularization of AI voice reporting and online inspection has significantly shortened the claims cycle.
Selection Advice
New drivers should choose large insurance companies for their extensive service networks and standardized claim processes. Experienced drivers should focus on new-rule benefits, particularly the depreciation loss coverage. Whether a 100,000-yuan commuter car or a 300,000-yuan luxury vehicle, the process framework is the same.
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