Is it necessary to go to a 4S shop for new car scratches?

[VanHeidi]

Car scratches can be covered by insurance, depending on the damage, either under scratch insurance or car damage insurance. For example: If the car is parked in a residential area and a mischievous child uses a sharp object to scratch the car's paint, this situation can be claimed if the corresponding insurance is purchased. If the scratches are caused by an accident during driving, they fall under the coverage of car damage insurance. In the above cases, if scratch insurance is purchased, you can directly call the insurance company to report the claim and arrange for repairs. Below is a detailed introduction to scratch insurance coverage: 1. Coverage: Scratch insurance can cover damage to the car's paint caused by sharp objects. However, car owners should note that losses caused by collisions with other objects, such as vehicle collisions or scraping against fixed objects, are not covered by scratch insurance but fall under car damage insurance. 2. Scratch insurance liability: The insurance liability of scratch insurance is for malicious acts by others that cause artificial scratches on the insured vehicle's body. Losses caused by intentional acts by the insured, their family members, drivers, or their family members are excluded from coverage.