Can I claim insurance if my car is scratched and the culprit cannot be found?
1 Answers
If the vehicle has purchased the scratch loss insurance, you can file an insurance claim. If not, you cannot claim insurance for scratches. Other insurances do not cover vehicle scratches. In such cases, you can report to the police and let the traffic management department check surveillance footage to resolve the issue. Detailed introduction to vehicle commercial insurance: 1. Vehicle Damage Insurance: Covers losses caused by natural disasters and accidents to the vehicle itself. Recommended for new drivers. 2. Third-Party Liability Insurance: Covers losses caused by the owner to third-party personal injuries or deaths. This is a must-have for both your own and others' protection. 3. No-Deductible Insurance: An additional insurance that transfers the owner's liability to the insurance company, reducing the owner's loss. It is advisable to purchase this if you have both Vehicle Damage Insurance and Third-Party Liability Insurance. 4. Theft and Robbery Insurance: Covers damages caused by vehicle theft, robbery, or hijacking. Recommended for owners without a garage. 5. Passenger Liability Insurance: Covers losses suffered by the driver and passengers due to traffic accidents. Premiums are usually paid per seat. Recommended for new drivers or family vehicles. 6. Spontaneous Combustion Insurance: Covers losses caused by fires due to the vehicle's own electrical or wiring issues. Suitable for older vehicles. 7. Glass Breakage Insurance: Covers the separate breakage of windshield and window glass. Since replacing glass is very expensive, it is recommended for vehicles frequently driven in unsafe areas. 8. Scratch Loss Insurance: Covers losses caused by intentional, malicious, or accidental scratches during driving.
