Can I claim insurance if my car is scratched after hitting a wall?
3 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.
It's correct that you can file an insurance claim for a car scratched against a wall. I've experienced this myself. When my car scraped against a wall while reversing, leaving a mark, I immediately called the insurance company to ask if it was claimable. They assigned a specialist to guide me through taking photos, filling out forms, and then determining the repair plan. The key is to check your policy conditions. If the repair cost is low, say just over 300 yuan, filing a claim might require you to pay a 500-yuan deductible and could lead to an increase of several hundred yuan in next year's premium. For someone like me with a family to support, it's more cost-effective to handle minor repairs myself. A quick trip to the repair shop to spend a little money solves the problem without letting minor issues disrupt daily life. Always drive with extra caution, especially when reversing in tight spaces, to minimize such accidents.
