Should I Claim Insurance for Car Scratches?

[Ronan]

If the premium discount amount is greater than the repair cost for the car's scratches, then it's better not to file an insurance claim. If the premium discount amount is less than the repair cost for the car's scratches, then you should file an insurance claim. Below is relevant information: 1. Determine the extent of the damage and formulate a repair plan: After a car scratch occurs, you can first roughly assess the extent of the damage. For minor scratches that don't require bodywork, polishing may suffice. If the damage has reached the point of deformation, then it's necessary to take the car to a repair shop. 2. Inspection and damage assessment: After a car scratch occurs, you need to call your insurance company, specifically the company that provides your vehicle insurance. An insurance adjuster will then conduct an on-site inspection and take photos of the exterior. It's important to note that you must protect the scene of the incident.