Can I Claim Insurance If I Scratched Off My Own Rearview Mirror?

[Brantley]

It depends. If the rearview mirror was scratched off due to the owner's own fault, it falls under the coverage of the vehicle damage insurance. If the owner has purchased vehicle damage insurance, the insurance company is responsible for the claim. However, if it was caused by another vehicle, it falls under the coverage of compulsory traffic insurance and third-party liability insurance. As long as the vehicle is insured, the insurance company must compensate. Additional Information: Notes: Vehicle damage insurance covers repairs when the accident is the owner's fault. If absolute deductible was not purchased when buying vehicle damage insurance, a full claim can be made. If an absolute deductible (5%, 10%, 15%, or 20%) was purchased, the owner must bear the corresponding deductible responsibility. Required Documents: When filing an insurance claim for a vehicle accident, the driver's license, the insurance policy, and the insured's ID card must be presented. Most repair shops have direct compensation agreements with insurance companies, so the owner can drive directly to the insurance company's designated assessment point.