How to Claim Insurance for a Scratched Vehicle?

[MartinAnn]

It is essential to promptly report the incident to the insurance company and follow the standard claims procedure. If the reporting is delayed, the policyholder must personally visit the insurance company to file a supplementary report, bringing along their original ID card. After the insurance company assesses the damage, proceed to repair the vehicle at a 4S shop. Additionally, if the vehicle is scratched on the road, a traffic accident certificate issued by the traffic police is required.

[HaydenDella]

Don't panic if you find your car scratched. I've had this happen a few times and know what to do. First, check the extent of the scratches and take clear photos with your phone, both close-up and from a distance, including the license plate and surrounding environment—this can prove it wasn't your fault. Immediately contact your insurance company to report the incident, briefly explaining the time and location of the accident over the phone, and they'll note down the case number. Wait for the insurance adjuster to assess the damage on-site. Once confirmed, they'll let you choose a repair shop, either a 4S dealership or a partnered repair center. The repair costs are mostly covered by insurance, but remember, filing a claim might affect next year's premium increase, especially for minor scratches. If you file multiple small claims, it might be cheaper to pay out of pocket. Always park in safe areas to reduce risks, and try not to dwell on it too much if it bothers you.

[ElizaFitz]

Last week, my car got scratched in the parking lot, and I was panicking not knowing what to do. I quickly asked experienced friends for advice. They said the first priority is to take photos as evidence—shoot from multiple angles with good lighting to avoid blurriness. Then call the insurance company to report the incident, clearly describing the time and location. The customer service will dispatch an expert to handle it. After their assessment, they recommended I go to an authorized repair shop. The process was quite fast—it was fixed within a week. Remember not to delay reporting to avoid missing the claim, and minor costs can be covered out of pocket to save some hassle. Since then, I've been driving more carefully and feel safer parking under surveillance.

[DiLuke]

After discovering the car scratch, calmly park the car immediately to ensure safety without delaying the journey. Take clear photos as evidence for insurance claims, call the customer service hotline to report the incident concisely, and provide vehicle information and details. The damage assessment process will be conducted by professionals who will visit the site for verification. If the damage is minor, consider paying the repair costs yourself to avoid premium increases. Address the issue promptly to prevent paint aging, which helps maintain the car's condition. Develop good parking habits in daily life to reduce the occurrence of such incidents.