Can I claim insurance if I left the scene unknowingly after a scratch?

1 Answers
AbigailAnn
07/29/25 9:40pm
Yes. You can claim insurance for a scratch you left unknowingly. If the damage from the scratch is severe, you can contact the traffic police to file a report and find the responsible party to bear the corresponding accident liability. If the responsible party cannot be found, you need to have purchased the 'Cannot Find Third Party Special Clause' insurance to directly use your own car insurance for compensation. Below are the relevant details: Insurance Discounts: If the policyholder does not file any claims during the validity period of the insurance contract, the premium for the next year will be reduced by 10% based on the original premium. This discount can be applied for three consecutive years, after which the insurance company will no longer provide any preferential policies. Premium Increase: If the policyholder files one claim within a year, the premium will not increase. If the policyholder files two claims within a year, the premium will increase by 10%.
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