How to Handle Insurance When the Car is Scratched?
2 Answers
Owners need to pay the repair costs in advance and must issue invoices and repair lists that match the assessed damage amount, then claim the compensation. Below is an introduction to car damage insurance: 1. Basic Concept: Car damage insurance is a type of commercial auto insurance where the insurer compensates within reasonable limits for damage to the insured vehicle caused by an accident while the vehicle is being used by the insured or an authorized driver. 2. Insurance Premium Discounts: The new policy also sets 12 adjustment levels for auto insurance rates based on the previous year's claim records, with dynamic adjustments made according to the claims from the previous year. The highest level is level 12, where the insurance premium is adjusted to 200%; the lowest level is level 1, where the insurance premium is adjusted to 50%.
My car got scratched last year too, and I was pretty panicked at the time. The first thing I did was pull over, turn off the engine, and turn on the hazard lights to warn vehicles behind me. I took photos from multiple angles with my phone as evidence, including the scratch location, the other party's license plate, and the overall scene. Then I called the insurance company's claim hotline, and the customer service representative guided me through filling out the claim form. Remember, never move the vehicle on your own, as it might affect liability determination. After the claims adjuster came to inspect, I just drove to a 4S shop or a partnered repair shop for damage assessment and repairs. For minor scratches costing a few hundred yuan, it might actually be more cost-effective to repair it yourself, as filing a claim could affect next year's premium discount. If the other party flees the scene, call the police immediately to check surveillance footage—don't hesitate.
