What to Do When Your Parked Car Gets Scratched by Someone Else?
3 Answers
If your car is scratched while parked in a residential parking space and there is a storage contract with fees involved, the property management is responsible for compensation. Otherwise, the property management is not liable for compensation. You can also file an insurance claim. Specific details are as follows: 1. Article 374 of the 'Contract Law of the People's Republic of China': During the storage period, if the stored item is damaged or lost due to improper storage by the custodian, the custodian shall be liable for damages, unless the storage is free of charge and the custodian proves that there was no gross negligence, in which case the custodian is not liable for damages. 2. Scratch Insurance: You can file an insurance claim if your car is scratched. Scratch insurance is an additional coverage that can only be purchased if the owner has already insured the car against damage. The insurance liability of scratch insurance covers 'malicious acts by others that cause artificial scratches on the insured vehicle's body.'
A few days ago, my car got scratched while parked downstairs, which was quite frustrating, but I quickly calmed down. First, I got out to inspect the extent of the scratches and took over a dozen photos, including the body damage, license plate number, and the surrounding parking area, in case the responsible party fled. I contacted the property management to check the surveillance footage and was fortunate enough to identify the other vehicle's information, allowing me to directly negotiate compensation. If I hadn't found it, I would have had to report it to the traffic police for documentation and obtain an incident report. After that, I notified the insurance company for damage assessment and provided all the evidence to ensure a smooth claims process. Next time, I'll choose a safer parking spot or install a rearview mirror camera to minimize such hassles.
My car got scratched in the parking lot and I was stunned. I immediately took out my phone to take photos and videos as evidence. I ran to ask the security guard if there were any witnesses or surveillance footage, but the cameras were malfunctioning, so I had to call the police. When the police arrived, I filled out forms and gave a statement. They recommended going to a 4S shop for repairs but advised me to first contact my insurance company to prepare the necessary documents. The whole process was time-consuming, but I learned a lesson: choose comprehensive coverage when buying insurance, and don't park in tight corners for convenience, as others might scratch your car without noticing. Participate more in community activities and advocate for shared surveillance cameras to better protect your beloved car.
