How to Claim Insurance for a Scratched Vehicle?
2 Answers
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.
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.
