What impact does filing an insurance claim for a new car scratch have on future premiums?

[DelAdalynn]

Filing an insurance claim for a new car scratch will lead to an increase in the premium for the second year. Below is a detailed explanation regarding auto insurance: 1. Definition: Auto insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that provides compensation for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Auto insurance is a category of property insurance and is considered relatively new in the field of property insurance, as it emerged and developed alongside the advent and popularization of automobiles. Unlike modern motor vehicle insurance, early auto insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body. 2. Definition: A widely implemented insurance product that covers motor vehicles such as cars, electric vehicles, battery-powered vehicles, motorcycles, and tractors as the subject of insurance. Auto insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance further includes two parts: primary vehicle insurance and additional coverage.