What to Do If Someone Scratched Your Car's Paint and Ran Away?

[McReid]

You can choose to report to the police or contact your insurance company. There are three key points to note when purchasing insurance: 1. Avoid duplicate insurance: When purchasing car insurance, make sure not to double insure the same coverage. Even if the owner insures the same risk twice, they will not receive excess compensation in case of a claim. 2. Avoid over-insurance or under-insurance: Neither over-insuring nor under-insuring provides effective protection. According to Article 39 of the Insurance Law: The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess part is invalid. If the insured amount is lower than the insured value, unless otherwise stipulated in the contract, the insurer shall bear the liability for compensation in proportion to the insured amount and the insured value. 3. Carefully review the insurance documents: Check whether the third copy is printed on white carbonless paper with a light brown anti-counterfeiting background pattern, whether the upper left corner is printed with the words "Supervised by the China Insurance Regulatory Commission," and whether the upper right corner is printed with the words "Limited for sale in ×× Province (City, Autonomous Region)."

[ChristianRose]

Answer 1