Can I Use Insurance for Paint Touch-up at a 4S Shop?

[McWalter]

You can use insurance for paint touch-up at a 4S shop. For minor repair costs, you can file a claim under the scratch insurance, regardless of the location of the scratches. This is suitable for multiple small scratches on the car. The 4S shop will ask the owner to call the insurance company and report that the car was scratched while parked on the roadside with multiple scratches. The rest will be handled by the 4S shop for repairs. If the damage is concentrated and it's convenient to create an on-site scenario, you can file under the car damage insurance. Remember, it's best to use scratch insurance once a year, saving up minor damages for a single repair. Insurance Claim Notes: If the owner files only one claim in a year, even if the cost is low, it's still recommended to report it to the insurance company, as it won't affect the premium discount for the following year. Scratch Insurance Coverage: Scratch insurance covers isolated scratches on the car without any signs of collision or scraping. However, scratches on the car's paint surface caused by collisions or scraping during driving are not covered under scratch insurance.