How to Claim Insurance for Car Scratches?
2 Answers
The car owner needs to pay the repair cost in advance and obtain an invoice and repair list that match the assessed damage amount, then receive the compensation. Below is an introduction to car damage insurance: 1. Basic concept: Car damage insurance is a type of commercial auto insurance where the insurer compensates within a reasonable range for damages to the insured vehicle caused by an insured accident involving the insured or an authorized driver. 2. Premium discounts: The new policy also sets 12 levels of auto insurance rate adjustments based on the previous year's claim records, with dynamic adjustments made according to the previous year's claims. The highest level is level 12, where the premium will be adjusted to 200%; the lowest level is level 1, where the premium will be adjusted to 50%.
I have experience with reporting car scratches to insurance. First, don't panic and stop the car safely, then get out to check the location and extent of the scratches. Remember to immediately take clear photos and short videos from different angles to document the damage, and record the time, location, and environment of the incident, such as whether there were any witnesses or surveillance cameras. Second, call the insurance company's customer service hotline, provide your license plate number and policy number, and explain how the scratches occurred—whether you scraped it yourself or someone else caused it. The insurance company will guide you through filling out a claim form or using their app to upload photos and documents. Sometimes, they may arrange for a specialist to inspect the damage on-site. If the damage is significant, you might need to go to a partnered repair shop for assessment and repairs, with the costs settled by the insurance company—you'll just need to pay the deductible. Note that if the scratches are minor, repairing them yourself might be more cost-effective, as filing a claim could significantly increase your premium the following year. Throughout the process, stay patient, follow up on the claim progress promptly, and don't delay too long to avoid missing deadlines.
