What to Do If Your New Car Gets Scratched?
2 Answers
If it's just a scratch or abrasion, you can file a claim with the insurance company using scratch insurance. If the car damage is severe, you can apply for compensation through car damage insurance. If the car owner has made two to three claims within a year, and another accident occurs, it might be more cost-effective to pay out of pocket if the repair cost is less than the increase in next year's premium. If the car owner has only made one claim in a year, even if the cost is not high, it is still advisable to report it to the insurance company, as it will not affect the premium discount for the following year.
If you find your new car scratched, don't lose your temper immediately. Take out your phone right away and capture the accident scene from all angles, paying special attention to the depth of the scratch and the position of the other vehicle. Then call 122 to report the incident to the police—even if the other party flees, having a record is crucial. Last time I got scratched, this helped me successfully file an insurance claim. When it comes to repairs, don't panic. If the 4S shop can do a partial paint job, avoid repainting the entire panel. Nowadays, water-based paint repairs are exceptionally good, with almost no noticeable color difference. If a plastic part gets scratched, using a touch-up pen as a temporary fix is also an option. The key takeaway: New drivers should remember to purchase scratch insurance—it's especially worth it in the first two years!
