Does Insurance Cover Scratched Paint When Reversing?
2 Answers
If you accidentally scratch your car while reversing, you can file an insurance claim, provided you have purchased collision insurance. Collision insurance covers repairs to your own vehicle when you are at fault. If you have also purchased a supplementary no-deductible agreement, filing a claim under collision insurance can result in almost full compensation. Without the no-deductible coverage, the reimbursement rate is typically around 80%. Below is a detailed introduction to commercial auto insurance: 1. Collision Insurance: Covers losses to your own vehicle caused by natural disasters and accidents. Recommended for new drivers. 2. Third-Party Liability Insurance: Covers compensation for third-party injuries or fatalities caused by the policyholder. This is a must-have for protection, both for yourself and others. 3. No-Deductible Insurance: An add-on that transfers the policyholder's liability to the insurance company, reducing personal losses. If you have both collision and third-party liability insurance, it's advisable to also purchase no-deductible coverage. 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 charged per seat. Recommended for new drivers or family vehicles. 6. Spontaneous Combustion Insurance: Covers losses caused by fires due to electrical or wiring issues in the vehicle. Suitable for older cars. 7. Glass Breakage Insurance: Covers the cost of replacing windshield or window glass, which can be very expensive. Recommended for vehicles frequently driven in unsafe areas. 8. Scratch Damage Insurance: Covers losses caused by intentional, malicious, or accidental scratches on the vehicle body.
Last year, while reversing my car, I accidentally scraped against a roadside bollard, leaving a large scratch on the door paint, which was heartbreaking. Fortunately, I had comprehensive insurance, so I immediately called the insurance company to report the incident and uploaded the required on-site photos and my driver's license as instructed. Within two days, the loss assessor came to inspect the car and estimated the repair cost at 1,600 yuan. The insurance covered it after deducting a 200 yuan excess. Since then, I've been extra cautious when reversing, always checking the surroundings in advance and even installing a reversing camera to prevent similar incidents. I think insurance is quite reliable for such minor accidents, but it's essential to have good commercial coverage. For small repairs, filing a claim might be more troublesome, so it's advisable to estimate the damage first before deciding. Developing a habit of regularly checking the camera also helps ensure safe operation.
