How to File an Insurance Claim for Scratching Someone Else's Car?

[McArya]

Turn on hazard lights and place warning signs, then take photos for evidence. To file an insurance claim, first call the police and contact your insurance company to initiate the claim process, followed by vehicle damage assessment and repairs. If the party responsible for the scratch cannot be found and the damage is severe, first call the police and wait for traffic police to handle the situation. If the scratch is minor, initiate a quick claim settlement. First call the police and contact your insurance company, then wait for traffic police to issue an accident liability determination. Finally, go to a 4S shop for damage assessment and repairs.

[BrooklynMarie]

If I accidentally scrape someone else's car while driving, the first thing is not to panic and stop the car steadily. Turn on the hazard lights to ensure safety, get out of the car to see how badly the other vehicle is damaged, and check if anyone is injured. Then take photos of the scene—the overall environment, the other party's license plate, the damaged area, and the condition of my own car, as these are evidence for insurance claims. Next, politely talk to the other party, exchange identity information, driver's license numbers, and insurance policy numbers. Immediately call my own insurance company to report the incident, clearly describing the time, location, and cause of the accident. They will record the details and send someone to handle it. The insurance will coordinate compensation for the other party's repair costs. The entire process may take a few days, so keep communication channels open. It is recommended to regularly check whether the insurance coverage is sufficient to avoid paying out of pocket.

[AnnaDella]

As an experienced car owner, when I scratch someone else's car, I immediately stop to explain clearly to avoid deepening misunderstandings. First, take multi-angle photos of the accident scene, including the collision point and surrounding environment, which helps the insurance company verify quickly. Record the other party's license plate and contact number, while also noting down their insurance information. Quickly contact the insurance company's customer service and follow their instructions on the next steps—usually submitting materials online or waiting for someone to arrive on-site. Avoid private monetary settlements, as it could be troublesome if the repair costs turn out to be too high. Although going through insurance is straightforward, next year's premium may increase slightly, so drive more carefully to reduce accidents. Remind everyone to save the insurance company's emergency number on their phones for immediate use.

[Carrie]

Last week, I accidentally scraped a parked car by the roadside and panicked but forced myself to stay calm. I stopped my car, rolled down the window to apologize, and asked about the other party's condition. After taking photos with my phone for evidence, we exchanged contact details and insurance information. Upon returning home, I called the insurance company to report the accident by describing the situation. They replied that they would handle the compensation but needed to wait for an assessor to verify the authenticity. The entire process took two to three days to complete. I advise beginners not to be afraid of reporting to insurance in similar situations, as proper handling can save a lot of disputes.