How to Claim Compensation When Your New Car is Scratched and the Other Party is Fully at Fault?
2 Answers
You can claim compensation from the other party for the loss of alternative transportation; if the vehicle is a commercial vehicle, you can also claim for the loss of operation due to the vehicle being out of service. The insurance company will cover the claim within the insured amount, and any amount exceeding the insured coverage will be borne by the vehicle owner, as the insurance company will not cover it. Below is a partial introduction to car insurance: 1. Components: Car insurance generally includes basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. 2. Coverage: Vehicle damage insurance covers the loss of your own vehicle; third-party liability insurance covers damages to objects outside your own vehicle, such as people hit, public property, and the other party's vehicle; passenger liability insurance covers the loss of people and property inside your own vehicle; theft insurance covers the loss when your vehicle is stolen; no-deductible coverage ensures 100% compensation in case of an accident. If no-deductible coverage is not purchased, you will be responsible for 30% of the deductible for each accident.
My brand new car got scratched in the parking lot when another driver backed up without looking and hit it. He admitted full responsibility on the spot. My heart sank at that moment, but remembering my friend's advice, I stayed calm and handled it properly. I immediately took photos with my phone - over a dozen shots from different angles front, back, left, and right, plus video recording the scene. Then I obtained his name, phone number, license plate, and insurance company details. Next step was calling 110 to report to police - the traffic officers came to document the incident and issue an accident liability certificate proving his fault. After contacting his insurance company to file a claim, they sent an adjuster to assess the damage and estimate repair costs. I took the car directly to the 4S dealership for repairs - with a new car, it had to be fixed with original manufacturer parts. The insurance company settled the bill directly and I didn't pay a cent. The whole process took one week, going from panic to peace of mind. The lesson learned: never settle privately or take no action after an accident - with sufficient evidence, the insurance will handle everything for you.
