Can I claim insurance for a car scratch without on-site evidence?

[MacMason]

You can claim insurance for compensation even without on-site photos of the car scratch. The insurance payout amount and considerations are as follows: Insurance payout amount: For single-vehicle accidents, you can report the claim afterwards, but it must be within 48 hours. If the accident scene wasn't preserved, the insurance company will cover 70% of the assessed damage amount. Generally, insurers require claims to be reported within 48 hours. After reporting, an adjuster will be sent to verify if the damage traces match the claim. Insurance considerations: You can move the vehicle a short distance from the incident location when reporting to the insurer. They can still assess based on scene elevation and damage traces, which won't significantly affect the claim. However, you must report within the insurer's specified timeframe, as late reporting may result in additional deductible penalties.