How to Use Scratch Insurance?

[BellaLee]

Here is an introduction to scratch insurance: 1. Scratch insurance is an additional coverage that can only be purchased by vehicle owners who have already insured their cars with damage insurance. 2. The insurance liability of scratch insurance covers 'malicious acts by others that cause artificial scratches on the insured vehicle's body.' However, losses caused by intentional acts of the insured, their family members, drivers, or their family members are excluded from coverage. 3. Scratch insurance specifically applies to scratches on the vehicle's paint surface. If the collision marks are obvious, such as a cut or a large dent, these damages are not considered scratches and fall under the claim scope of the vehicle damage insurance.