Is It Appropriate to File a Claim for Minor Scratches Under Vehicle Damage Insurance?
2 Answers
It is not appropriate to file a claim for minor scratches under vehicle damage insurance. If a rear-end collision or minor paint damage occurs on the road, it is better to resolve it privately. After all, filing an insurance claim not only involves cumbersome procedures but also affects the premium for the following year. Introduction to Vehicle Damage Insurance: Vehicle Damage Insurance refers to a type of commercial auto insurance where the insurer compensates within a reasonable range for damages to the insured vehicle caused by an insured accident while the vehicle is being used by the insured or an authorized driver. Other Natural Disaster Coverage: Collision, overturning, falling; fire, explosion, spontaneous combustion; falling or collapsing external objects; storm, tornado; lightning, hail, heavy rain, flood, tsunami; ground collapse, ice collapse, cliff collapse, avalanche, mudslide, landslide, etc.
As an ordinary car owner, I've carefully calculated the costs when encountering minor scratches: the repair expenses usually amount to just a few hundred yuan, at most around a thousand, such as for painting or panel beating, which can be handled by visiting a repair shop myself. However, if I file a claim under the auto damage insurance, not only is the process troublesome, but the insurance premium will also increase by several hundred to a thousand yuan once the policy is updated, making it less cost-effective in the long run. Unless the damage is severe or the metal is exposed, requiring professional treatment, it's worth filing a claim. Otherwise, I recommend paying out of pocket to resolve the issue, saving both money and hassle. Regular attention to paint maintenance, such as washing and waxing the car periodically, can also extend the appearance's longevity. This decision really needs to be made within one's means, so it's advisable to get quotes from several shops for comparison first.
