If you leave the scene after an accident and then notify the insurance company, does the insurance company have a rule not to pay the relevant insurance money?

On-the-spot investigation is a professional service provided by insurance companies for the insured, which can avoid some claims disputes caused by unclear accident forms, but it is usually not a necessary part of claims settlement agreed in insurance contracts.

Sometimes the insurance company cannot arrive at the scene of the accident in time for some reasons, or it is not allowed to carry out on-site investigation (such as traffic accidents on expressways), which does not affect the insured's claim from the insurance company afterwards.

However, in order to avoid claims disputes, the insured should take the following measures to safeguard their rights and interests after the accident:

1. If possible, report to the police in time, dispose of the accident site under the guidance of the traffic police, and keep the accident responsibility certificate issued by the traffic police. If it is a minor accident or the traffic police can't be present, you should sign an accident form confirmation letter with the third-party owner;

2. Report the case to the insurance company in time, and fulfill the reporting obligation required by the insurance contract;

3. Take and keep detailed photos of the accident scene, and record the license plate and model information of third-party vehicles and the policy number of compulsory insurance;

4. If the vehicle is seriously damaged, it must be rescued, and the receipts and invoices for the expenses incurred in the rescue link should be kept as the basis for claiming compensation from the insurance company afterwards;

5. After the vehicle arrives at the maintenance point, timely notify the insurance company to supplement the survey and determine the damage.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.