Can I claim insurance for a self-inflicted car scratch?

[LaVivienne]

You can claim insurance for a self-inflicted scratch while reversing, provided you have purchased vehicle damage insurance. Vehicle Damage Insurance: Vehicle damage insurance covers repairs to your own car when the fault lies with you. If you have purchased a supplementary agreement for no deductible, you can receive almost full compensation through vehicle damage insurance. Without the no deductible agreement, the compensation is around 80%. Insurance Claim Process: To file a claim, you only need to bring a copy of the vehicle's registration, driver's license, the insurance policy, and the insured's ID card. Then, drive to the insurance company's designated assessment point. Most repair shops have direct settlements with insurance companies. If the scratch is minor and only affects the paint, the repair is simple and inexpensive. In such cases, you may choose not to claim insurance, as frequent claims can affect next year's premium, making it not worthwhile.