How to Claim Insurance for Car Scratches?

[StephanieAnn]

Car scratch insurance claim process, specific details are as follows: 1. Call the insurance company: After the vehicle is scratched, call the insurance company where the car is insured to report the incident. In case of an emergency, dial 110 first to report to the police. 2. Insurance company inspection: The insurance company will dispatch an inspector to the scene for on-site inspection services and assist in handling the situation. If the vehicle cannot be moved, they will also arrange for towing services. 3. Claim process: The inspector and the car owner jointly confirm the accident liability, damage situation, and costs, and inform the necessary claim documents to be submitted. The car owner can submit the insurance materials on-site, by mail, or through a representative. 4. Compensation time: Regarding how long it takes for the compensation to be credited, the insurance company should pay the compensation within 10 days after reaching a compensation agreement.

[Tanner]

Last year, my car was scratched, and the whole process is still fresh in my memory. That day, I was parked on the roadside when another car suddenly scraped my rear door. I was a bit stunned at the moment, but I remember first ensuring safety—turning off the engine and getting out to check the other party’s condition. Then, I quickly took photos with my phone from multiple angles: close-ups of the scratches, a full view of the vehicles' positions, and the direction of the impact point. These were all crucial because the insurance company would later review the evidence. I immediately contacted my insurance company to report the incident, providing my policy number, ID, and driver’s license information. They sent an adjuster the same day, confirmed the damage was minor, and directly assigned a repair shop. The claim involved the commercial insurance’s collision coverage, and fortunately, it didn’t exceed the deductible—the whole process was settled in just three days. The lesson learned: park more carefully in the future, avoiding roadside spots; timely communication is key, as delays can lead to mistakes, and never rush into a private settlement.

[McEsther]

As a new driver, I was genuinely panicked and at a loss when I encountered my first scratch. The accident happened in a supermarket parking lot, where I scraped the side of another car. My friend advised me: first, don't run away, check if anyone is injured—fortunately, no one was hurt. Then, I took out my phone and snapped photos of my scratch, the other car's position, and the surrounding environment to avoid any disputes over liability. I called my insurance company to report the incident, providing my ID and policy number. The process went smoothly, and the insurance company recommended one of their partner repair shops, so I chose a convenient one. The claim amount wasn't high, but since it was my first claim, my premium increased a bit the following year. In summary, new drivers should familiarize themselves with insurance details in advance—for example, compulsory traffic insurance only covers the other party, while your own car damage relies on commercial insurance. Practicing safe parking regularly can help reduce such unpleasant incidents.

[OKeira]

Handling a scratch insurance claim actually involves several steps: After the accident, park the car safely and ensure everyone is secure, prioritizing medical attention if there are injuries. Then, take photos as evidence, remembering to capture both the damaged areas and the overall condition of the vehicle, which is crucial for the insurance company's assessment. Call to report the incident, providing your policy number and ID number. The insurance company will guide you on the next steps, which may involve sending an adjuster or directing you to a designated repair shop. During the claims process, a clear determination of liability is essential for quick settlement; if you are fully at fault, your collision insurance will cover the damages. Key point: Report the incident within 48 hours without delay, and the more comprehensive the evidence, the smoother the process.