Can I claim insurance if my car is scratched after hitting a wall?
2 Answers
You can claim insurance if your car is scratched after hitting a wall. Here is detailed information about vehicle insurance: 1. Overview: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Other Information: Auto insurance is a type of property insurance. In the field of property insurance, auto insurance is a relatively young category. In the early stages of auto insurance, third-party liability insurance was the main coverage, which gradually expanded to include risks such as collision damage to the vehicle body.
Of course you can file an insurance claim for a car scraping against the wall, as long as you have commercial vehicle damage coverage. My previous Ford Focus once scraped against the garage door, leaving a scratch on the body. I immediately took photos and contacted the insurance company to file a report. They sent an adjuster to assess the damage on-site. However, be mindful of the deductible—most policies stipulate a deductible of 500 to 1,000 yuan. If the repair cost is below this amount, it's better not to file a claim to avoid higher premiums and increased rates the following year. That time, the repair was estimated at 400 yuan, so I just went to a local shop and spent 200 yuan to touch up the paint. My advice is to first assess the extent of the damage: file for deep scratches, tolerate minor scrapes—this way, you save both hassle and money. Safety first, and afterward, check the car for any other hidden issues.
