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Should I File an Insurance Claim for Scratches Caused by Myself?

1 Answers

Tiffany

07/30/25 2:32am

You can file an insurance claim for scratches caused by yourself, but it doesn't necessarily mean the claim will be approved. It's important to check whether you have purchased scratch insurance. The details are as follows: Scratch Insurance: If your car is covered by scratch insurance, scratches caused by your own negligence during driving (such as accidental scrapes) are typically eligible for compensation from the insurance company. If your car does not have scratch insurance, the insurance company is very likely to deny the claim. Additionally, filing a claim will affect your renewal premium for the next year—the more claims you make, the higher your premium will increase. Insurance Claim Process: As long as you have insurance, you can request a claim for scratches on your car. You must report the incident to the insurance company within 48 hours, after which the company will send an assessor to evaluate the damage. If more than 48 hours have passed, the car owner must bring their original ID to file the claim. You can truthfully explain the cause of the scratches, and this will not affect the compensation amount from the insurance company.

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