How to Report Insurance for Self-Inflicted Parking Scratches?
3 Answers
Call the insurance company's customer service hotline to report the incident, providing a general description of your vehicle's condition. The repair shop will assess the damage and provide a valuation. Once both the insurance adjuster and the car owner agree, they will sign to confirm. Gather all necessary documents for the case and submit them to the insurance adjuster to process the claim. After undergoing multi-level reviews by different departments within the insurance company, the approved claim amount will be transferred to the car owner's account.
Last time when parking, I accidentally scraped against a tree root on the roadside. I immediately took photos to document the damage location, then called my insurance company to report the case. They asked for details about the time, location, and accident circumstances. After filling out and submitting the form, they arranged for a technician to inspect and repair the damage. My insurance includes collision coverage with a deductible of 500 yuan. The repair cost 800 yuan this time, but the insurance covered part of it. I recommend observing the surroundings more carefully before parking to avoid blind spots. The insurance premium might increase slightly afterward, but safety comes first. The 360-degree observation method taught by my driving instructor is very practical—practicing it regularly can reduce such awkward situations. After documenting the process, I reflected on myself and will definitely drive more carefully next time.
When I was a new driver, I scraped a stone pillar while turning in the residential area. I immediately got out of the car and took clear photos of the license plate and the damage. I called the insurance customer service, clearly stating it was my parking mistake with no third-party liability. After filling out the online claim form and waiting for feedback, they sent someone to assess and repair the car a few days later. The key is to prepare the deductible—my policy had a 1000 yuan self-pay, so a 3000 yuan loss made the claim worthwhile. In the future, don’t rush while parking; rely more on the reversing camera. A slight premium increase is a lesson, but safety for both people and the car is more important.
