Can multiple scratches on the car body be handled with one insurance claim?
2 Answers
Multiple scratches on a vehicle can generally be repaired under a single insurance claim, covered within the limit of the "Scratch Insurance" add-on to the Vehicle Damage Insurance. Scratch Insurance: Scratch Insurance, officially known as Body Scratch Loss Insurance, is available for family-owned and non-commercial vehicles. It covers the cost of repainting the vehicle's surface when there are scratches without obvious collision marks during the insurance period. The insurance company compensates for the actual loss. Scratch Insurance is an add-on to Vehicle Damage Insurance and cannot be purchased separately; it requires the main Vehicle Damage Insurance policy. Features: Vehicle Scratch Insurance has two main features: "no need for on-site claim verification" and "no requirement to provide a reason for the scratches." It typically covers paint damage caused by sharp objects scraping the car.
When it comes to whether multiple scratches on the car body can be claimed under one insurance report, I experienced this last year. My car was scratched on the door handle by tree branches while parked in the neighborhood, and then the rear bumper was scraped while reversing—both areas were damaged. I wondered if I could handle both under a single claim. The insurance customer service told me that as long as the damages occurred during the same incident or within the same time frame, they could be combined into one claim. However, if they weren’t caused at the same time—for example, the door handle was scratched last week and the bumper was scraped today—then they’d need to be reported separately or might not be allowed. Filing one claim could result in a premium increase of over 20% the following year, so it’s important to assess the severity of the damage. If it’s just minor shallow scratches, buying a touch-up pen for a few dozen yuan might suffice. For serious damage, professional repair at a 4S shop is better. In short, first inspect all scratches, take photos for documentation, and then consult the insurance company for advice—this is the safest way to avoid affecting future savings.
