How to File an Insurance Claim for a Scratch?

[McAlejandro]

After a car scratch occurs, the first step is to take photos as evidence and call the insurance company to file a claim. Below is an introduction to the insurance claim process: 1. Damage Assessment: Bring the necessary documents for the claim (ID card, driver's license, vehicle registration, and insurance policy) to the damage assessment center to complete the assessment and claim procedures. If the vehicle can still be driven, it's best to bring it to the site. If the vehicle is severely damaged, take photos as evidence, after which the insurance company will arrange for a tow truck. Towing will incur certain costs, the amount of which depends on the insurance company's policies and the distance from the accident site. 2. Important Notes: In cases without personal injuries, it's advisable to photograph the accident scene immediately as backup evidence. Even if there is no third-party liability, taking photos as evidence is a necessary habit.

[VonLayla]

I recently got into a minor scrape accident and am not very familiar with the process as I'm new to driving. The first step is to pull over safely, turn on the hazard lights, and make sure not to block traffic. Take out your phone to photograph and record the accident scene, vehicle damage angles, the other party's license plate, and location - these are crucial pieces of evidence. Then immediately call your insurance company to report the claim, clearly stating the time, location, and damage details. They'll provide a case number and guide you through next steps. For minor damages, you can use the fast-track claims process by simply describing the incident and submitting photos. However, for significant damage, you'll need traffic police to come document the scene. Don't panic during the whole process - the insurance company will handle repairs and reimbursements, but remember to ask about your deductible amount beforehand to stay within budget.

[JaydenFitz]

After driving for so many years, I've experienced several scratches and bumps. First, stay calm, stabilize the vehicle, and take photos of the damage including the surrounding road conditions. Having complete evidence will save a lot of trouble. Quickly report the incident to your insurance company, describing what happened, and they will send an adjuster to assess the damage. For minor accidents, you can directly upload the required documents via the app, and the damage assessment will be completed within two days. If liability is unclear, call the police first to avoid disputes. Settling privately might affect next year's premium increase. For repairs, go to the designated shop where the insurance covers everything. A touch-up paint job costs just a few hundred bucks, and you can basically get it fixed without any loss.

[Aubrey]

From an experienced driver's perspective, minor scratches are not a big deal. After parking, take complete photos as records and call the insurance company to explain the situation in detail. They will arrange follow-up investigations. For minor issues, settling on the spot saves time and money. In case of major accidents, you must report to the police and request traffic police assistance in the investigation process. Persist in following up and don't let anyone delay the repairs to ensure your beloved car is restored to its original condition. Regularly check tires and brakes to prevent accidents.