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.