What to Do If Your Car Is Deliberately Scratched by Someone Else?
2 Answers
If your car is deliberately scratched by someone else, you should call the police, report to the property management, and notify the insurance company. Call the police: Deliberately scratching someone else's car is a malicious act, so the first step is to call the police. The police will come to take photos, collect evidence, check surveillance cameras, and then analyze and track down the perpetrator. Report to the property management: If the car is scratched within a residential community, it is advisable to report to the property management. The property management, having collected car management fees, should supervise and manage the cars. They will also assist in investigating who the perpetrator is and cooperate with the police in checking surveillance cameras. File a claim with the insurance company based on the situation: If you have purchased scratch insurance, you can file a claim with the insurance company. However, if you have not purchased scratch insurance, it is likely that the claim will not be approved. Even if the claim is approved, you should consider whether it will affect next year's insurance premium.
A few days ago, my car was deliberately scratched with a long mark while parked in the neighborhood, which really broke my heart. I immediately took out my phone to take photos of the scratch details and the surrounding environment, including the time and location. Then I called 110 to report it to the police. When they arrived, they took a statement and checked the nearby surveillance footage. I contacted my insurance company, explained the situation, and asked about the claims process for scratch damage. They said they would need a police report to proceed. For the repair, I went to a professional shop for polishing and repainting, which cost nearly 500 yuan. I suggest everyone park in areas with surveillance cameras or install a dashcam themselves. Also, avoid parking in obscure corners where the car is more vulnerable to damage. Good neighborly relations are important too—communication can help prevent such incidents. Next time, I’ll pay more attention to my car’s safety.
