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Can I claim insurance for self-inflicted scratches on my car?

1 Answers

OWillow

07/29/25 10:35pm

You can claim insurance for self-inflicted scratches on your car, but if the damage is minor and the repair costs are not too high, it is not recommended to file a claim. For self-inflicted scratches, the insurance typically used is the commercial insurance's vehicle damage coverage or scratch insurance. However, using any commercial auto insurance will affect the overall premium for the next year. Here is additional information: 1. Discounts for compulsory traffic insurance and commercial insurance are calculated separately. If you made a claim under compulsory traffic insurance last year but not under commercial insurance, the premium for compulsory traffic insurance will change accordingly, while commercial insurance remains unaffected and can continue to enjoy the corresponding discount. 2. If you made a claim under commercial insurance last year but not under compulsory traffic insurance, the overall premium for commercial insurance will change accordingly, while compulsory traffic insurance remains unaffected and can continue to enjoy the corresponding discount.

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