Can Parking Lot Scratches Be Covered by Insurance?
2 Answers
Yes, it can be covered by insurance. If the car owner has purchased the additional coverage "Third Party Not Found Special Clause" under the car damage insurance, the insurance company will cover the full cost. If the incident occurs in a free parking lot, the parking lot will only be liable for compensation if there is intentional or gross negligence in vehicle storage damage; general scratches do not require them to take responsibility. After the incident, report the case within 48 hours, obtain an accident confirmation form from the traffic police, and then contact the insurance company for claims. Here is supplementary information about vehicle insurance: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Auto insurance is a type of property insurance. In the field of property insurance, auto insurance is a relatively young category, as it emerged and developed alongside the appearance and popularization of automobiles. Additionally, unlike modern motor vehicle insurance, early auto insurance primarily focused on third-party liability as the main coverage and gradually expanded to include risks such as collision damage to the vehicle body.
I've been driving for over a decade and have helped friends deal with numerous accidents. In parking lot scrapes, filing an insurance claim is feasible, but it depends on your coverage and the specific circumstances of the incident. If you have comprehensive insurance that includes collision coverage, the insurer will cover repair costs whether you scraped something or someone else hit your car. However, I don't recommend filing claims for minor scrapes lightly, as it gets recorded and may increase next year's premiums. My advice is to first take photos for evidence and assess the damage: if it's just minor scratches costing a few hundred bucks, getting touch-up paint at a local repair shop is more economical; if there's extensive damage or a multi-vehicle accident, contact your insurer for proper procedures to avoid being scammed. Parking environments are complex and scrapes happen often – prevention is always better than dealing with aftermath.
