Should I File an Insurance Claim for Vehicle Scratches?

1 Answers
LiamRose
07/29/25 7:18pm
If the insurance premium discount is greater than the repair cost for the vehicle scratches, do not file an insurance claim. If the insurance premium discount is less than the repair cost for the vehicle scratches, then you should file an insurance claim. Below is relevant information: 1. Determine the extent of damage and decide on a repair plan: After a vehicle is scratched, you can first visually assess the extent of the damage. For minor scratches that do not require bodywork, a simple polish will suffice. If the damage has caused deformation, then it is necessary to take the vehicle to a repair shop. 2. Damage assessment: After a vehicle is scratched, you need to call your insurance company, specifically the company that provides your vehicle insurance. An insurance assessor will then conduct an on-site inspection and take photos of the exterior. It is important to note that you must protect the scene of the incident.
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