How to Claim Insurance for Car Scratches?

1 Answers
KendraLee
07/29/25 5:00pm
To claim insurance for car scratches, follow these steps: Report the incident to the insurance company, noting that the report must generally be filed within 48 hours. If the deadline is missed, the policyholder must personally visit the insurance company with their original ID card to file a supplementary report. After the insurance company assesses the damage, proceed to a 4S shop for repairs. Introduction to Scratch Situations: If the vehicle is scratched on the road, a traffic accident certificate issued by the traffic police is required. If the vehicle is scratched off-road, an accident certificate issued by the local police station is needed. Introduction to Car Scratch Insurance: Car scratch insurance is an additional coverage under the auto damage insurance, meaning it can be purchased if the vehicle is already insured under auto damage insurance. The full name is Body Scratch Loss Insurance, available for family-owned, non-commercial vehicles. It covers the cost of repainting the car's surface when there are scratches without obvious collision marks during the insurance period, with compensation based on actual losses.
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