Can I File an Insurance Claim for a Vehicle Scratched in an Underground Parking Lot?
1 Answers
In the event of a scratch incident in an underground parking lot, it generally falls into two scenarios: 1. With a responsible party: If the accident is entirely the other party's fault, the loss should be borne by them, and it does not involve your own insurance company. 1) Paid parking lot: The at-fault party should be responsible. If the at-fault party cannot be found, the vehicle owner can request the parking lot to provide information about the responsible party for the collision. If the responsible party cannot be identified, the parking lot, which failed to fulfill its vehicle custody obligation, should compensate for the loss caused by parking. However, if the vehicle owner does not pursue the at-fault party or the parking lot, the insurance company will not settle the claim, as this constitutes voluntarily waiving the right to compensation. 2) Free parking lot: The parking lot is only liable for damages if it acted intentionally or with gross negligence in the damage or loss of the parked vehicle. 2. Unable to find the responsible party: You can file a claim with your insurance company. After deducting the absolute deductible, the insurance company will cover up to 70% of the loss. If you have purchased an additional coverage to the vehicle damage insurance, specifically the 'Cannot Find Third Party Special Clause Insurance,' you may receive full compensation.
