How to File an Insurance Claim for Car Scratches?

[DeKendra]

To file an insurance claim for car scratches, follow these steps: Report the incident to your insurance company, paying attention to the reporting time limit, which is usually within 48 hours. If the time limit is exceeded, 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, you can proceed to repair the car at a 4S shop. If the car is scratched on a public road, you need to obtain an accident certificate from the traffic police. If the car is scratched in a non-public area, you need to obtain an accident certificate from the local police station. Introduction to car scratch insurance: Car scratch insurance is an additional coverage under the auto damage insurance, meaning you can purchase scratch insurance only if you have already purchased auto damage insurance. The full name of scratch insurance is 'Auto Body Scratch Loss Insurance,' which is available for family-use vehicles and non-commercial vehicles. It covers the cost of repairing paint scratches on the car's surface that show no obvious signs of collision during the insurance period, with the insurance company compensating for the actual loss.

[AndrewDella]

When my car gets scratched, my first step is always to assess the extent of the damage. I gently run my fingers over the scratch to see how deep it is. If it's a superficial surface scratch, applying some wax can often remove it myself, saving the hassle of involving insurance. If it's deep and exposes the primer, I take photos to document the details, including the location and time of the incident, so I can provide clear information if the insurance company asks. Next, I call my insurance company's customer service directly. They will ask about the accident process, and I explain clearly whether it was a scrape while parking or caused by someone else, and if there is a responsible party. The insurance company usually recommends going to a partner repair shop for an assessment. If the repair cost exceeds my deductible, I proceed with the claims process; otherwise, paying out of pocket is more cost-effective, as filing a claim may lead to higher premiums. Through this process, I've learned the importance of keeping records and have considered purchasing additional scratch coverage to avoid minor issues affecting the car's appearance and safe driving. In short, addressing the problem early can save a lot of trouble.

[DelElliott]

Every time there's a scratch on my car, I calmly consider whether it's worth filing an insurance claim. After all, as someone who's been driving for years, experience tells me that minor scratches like those from stone chips may not cost much to repair. It's often more hassle-free to just spend a few hundred yuan at a roadside shop than to go through insurance. If I do decide to file a claim, I remember to notify the insurance company immediately, providing vehicle details and a description of the incident. They'll arrange for an adjuster to inspect the damage on-site. I recall opting for comprehensive coverage, which offers broader protection for scratches, but I need to check the policy's deductible. After filing, the insurance company designates a repair shop, and I just follow their lead to avoid future disputes. Throughout the process, I keep an eye on how it might affect my premiums—multiple small claims in a year could cause rates to skyrocket. That's why I always try to park in safe spots to prevent issues beforehand. Overall, insurance is protection, but it must be used wisely.

[AaronRose]

To handle scratches through insurance, I directly contact the insurance company to report the situation. Take photos and upload them, and the customer service will guide whether to file a claim. For minor scratches, I prefer to fix them myself; for serious ones, I file a claim. After reporting, arrange for repairs and pay attention to changes in premiums.