Can I claim insurance if my car got scratched and I drove away?
1 Answers
If your car got scratched and you drove away, you can claim insurance as long as your vehicle is covered by such insurance. Since this is also considered an accidental incident, the insurance company will provide certain compensation. However, if the damage is minor, it is recommended to handle it yourself. More details are as follows: Claim Time: The prerequisite for claiming insurance after scratching your own car is that the owner must have purchased vehicle damage insurance and the additional scratch insurance. As long as these insurances are purchased, you can request the insurance company to compensate for the scratches. If you report the incident to the insurance company within 48 hours of the scratch, the company will send a specialized loss assessor to evaluate the damage. If more than 48 hours have passed, the owner needs to bring their original ID card to file a report and truthfully explain the cause of the scratch, which will not affect the compensation amount from the insurance company. Claim Considerations: However, it is important to note that the owner should decide whether to claim insurance based on the severity of the scratch. If it is minor, it can be handled by yourself. If you request the insurance company to handle a minor scratch, it would be a waste of claim opportunities, which could reduce the discount on next year's car insurance, making it not worth the effort.
