How to Handle Insurance or Self-Repair When the Car Gets Scratched by Itself?
2 Answers
If the motor vehicle has purchased vehicle damage insurance, you can file a claim. After the vehicle is damaged, directly contact the insurance company for compensation. If the vehicle does not have vehicle damage insurance, you can only repair the vehicle yourself, and all costs will be borne by the owner. You can choose based on the extent of the damage.
I accidentally scraped my garage door while driving before, and although the scratch wasn't big, it looked unpleasant. As someone who drives frequently, I'm used to assessing costs first: if the repair cost is only a few hundred yuan, far below the insurance deductible, say 1,000 yuan, I definitely pay for it myself. Because filing an insurance claim would increase the premium by several hundred to a thousand yuan, which isn't worth it. For minor issues, buying a touch-up pen or polishing compound for a DIY fix is enough—just look up tutorials online and learn in half an hour. For example, shallow scratches can be fixed for less than 100 yuan, saving both time and money. But if the scratch is deep, exposing the metal layer and prone to rust and corrosion, then it's time to consider filing an insurance claim. I usually keep the car body clean to reduce oxidation risks. The key is to make quick decisions to avoid delays that could worsen the problem, affecting the car's condition and safe driving.
