What does scratch damage insurance mean?

[Murphy]

Scratch damage insurance is an additional coverage to vehicle loss insurance, and only vehicles already insured with vehicle loss insurance are eligible for this additional coverage. During the insurance period, if the insured vehicle suffers isolated scratches on the body surface paint without obvious collision marks, the insurer will be responsible for compensation according to the actual loss as stipulated in this contract. Insurance Coverage: The insurance company is responsible for compensating for scratches without obvious collision marks, such as when a vehicle is parked in a residential area and a mischievous child damages the car paint with a sharp object. In such cases, if this insurance is purchased, a claim can be made. However, scratches caused by accidental incidents during driving fall under the compensation scope of vehicle loss insurance. Exclusions: Losses caused by intentional acts of the insured and their family members, or the driver and their family members.