What should I do if I lose my car insurance policy and have a traffic accident? If the car insurance policy is lost and a traffic accident occurs, it needs to stop immediately to protect the scene; If personal injury or death is caused, the driver of the vehicle shall rescue the injured immediately, report to the traffic police on duty or the traffic management department of the public security organ quickly, and then notify the insurance company. The loss of the policy shall not affect the performance of the insurance contract. According to Article 27 of the Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents, if the insured or the victim notifies the insurance company of a road traffic accident, the insurance company shall immediately give a reply, informing the insured or the victim of specific compensation procedures and other relevant matters. Article 28 If the insured motor vehicle has a road traffic accident, the insured shall apply to the insurance company for compensation. The insurance company shall, within one day from the date of receiving the application for compensation, notify the insured in writing of the certificates and materials related to compensation that need to be provided to the insurance company.
