Is it worth claiming insurance for an 800-yuan car paint repair?

[LeJustin]

If the car owner has purchased scratch insurance, it is advisable to file an insurance claim for an 800-yuan paint repair. Additional information is as follows: 1. Scratch Insurance: Scratch insurance specifically covers scratches. If the scratches on the car body are clearly caused by collisions or scrapes, they are not covered under scratch insurance, and the owner should handle them through collision damage insurance. To get the most cost-effective result from an insurance claim, the owner must assess the severity of the scratches and the approximate repair costs. Remember, after filing a claim, the premium for the next year's renewal will inevitably be higher than this year's. If the repair cost far exceeds the increased premium for the next year, then filing a claim is worthwhile. 2. Precautions: It is important to note that insurance companies generally require scratch insurance claims to be filed within a certain time frame. If the scratches on the car body show obvious signs of rust or aging, the insurance company will likely reject the claim. Lastly, it is not recommended for owners to accumulate multiple scratches and file a single claim, as in practice, insurance companies may refuse compensation based on relevant clauses.