Can I claim insurance if I accidentally scratched my car and drove away?
1 Answers
Yes. As long as the vehicle is insured accordingly, you can file an insurance claim after accidentally scratching your car. Since this is considered an accidental incident, the insurance company will provide certain compensation. However, if the damage is minor, it is advisable to handle it yourself. 1. Claim process: To file an insurance claim after scratching your car, the prerequisite is that the owner must have purchased auto damage insurance and the additional scratch insurance. With these insurances in place, you can request the insurance company to compensate for the scratches. It is essential to report the incident to the insurance company within 48 hours, after which the company will send a specialized assessor to evaluate the damage. If more than 48 hours have passed, the owner needs to bring the original ID card to file the report and truthfully explain the cause of the scratches, which will not affect the compensation amount from the insurance company. 2. Considerations: However, it's important to note that the owner should decide whether to file a claim based on the severity of the scratches. If the scratches are minor, it's better to handle them yourself. Filing a claim for very minor scratches is considered a waste of claim opportunities, which may reduce the insurance discount for the following year, making it not worth the effort.
