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What to Do If the Other Party Refuses to Pay for Scratching Your Car?

2 Answers

McCharlotte

09/06/25 5:52am

If the scratch is relatively severe or the other party refuses to compensate, you should call the police or notify your insurance company to intervene. After the traffic police determine liability and the insurance company conducts an inspection, proceed to a 4S shop for damage assessment and repairs. If the other party flees, it is even more important to report it to the police. There are two ways to handle a scratched car: 1. The other party is at fault: If your car was scratched while parked and you can confirm the other party’s responsibility, check the extent of the damage. If possible, take photos or videos as evidence. Consult a local 4S shop or auto repair shop to inquire about repair costs, then negotiate a solution with the other party and have them transfer the money on the spot. 2. The other party refuses to compensate: You should call the police or notify your insurance company to intervene. After the traffic police determine liability and the insurance company conducts an inspection, proceed to a 4S shop for damage assessment and repairs. If the other party flees, it is even more important to report it to the police.

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Caden

09/18/25 5:39am

As a car owner who often deals with similar situations, I believe the most important thing is to secure evidence immediately. At the time, I used my phone to take pictures of the other party's license plate, the location of the scratches, and a panoramic video of the surroundings. I also asked the convenience store owner by the roadside to serve as a witness. Never argue with the other party; directly call 122 to report the incident to the police. The traffic police will require both parties to go to the accident department for handling. If the other party refuses to compensate, I contact my own insurance company to apply for subrogation, providing them with the on-site photos and police records. The insurance company will advance the repair costs and then pursue reimbursement themselves. When repairing the car, remember to ask the 4S shop to provide a detailed damage assessment report. Although the process is a bit troublesome, following the legal procedures usually resolves the issue. Last year, my colleague successfully reclaimed over 3,000 yuan in repair costs this way.

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