Is It Appropriate to File a Claim for Minor Scratches Under Vehicle Damage Insurance?

[McAlaina]

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.