Can I claim insurance if I scrape against a building by myself?

[CeciliaLee]

You can claim insurance for self-inflicted scrapes, provided that you have purchased vehicle damage insurance. The car owner should report the incident to the insurance company within 48 hours as much as possible. If it exceeds 48 hours, it is recommended to bring your original ID card to report the claim to the insurance company. Vehicle Damage Insurance: This is a type of commercial insurance, different from compulsory traffic insurance, and is not mandatory. It is entirely based on personal risk awareness and financial conditions. Compensation Situations: Vehicle damage caused by at-fault accidents such as rear-end collisions or reversing. In the event of a traffic accident where the driver is fully at fault, if vehicle damage insurance is in place, the insurance company will not only cover the repair costs of the other party's vehicle but also provide repair costs for your own vehicle. Collisions with flower beds, road signs, or other buildings or fixed objects. If the car directly hits a flower bed or other object due to driving skills without involving a third party, the insurance company will cover the repair costs if vehicle damage insurance is purchased.