Will filing a claim for a vehicle scratch affect next year's insurance?

[VeraLee]

Filing a claim for a vehicle scratch will affect next year's insurance. Filing one claim: Filing one claim does not affect next year's premium. If you have already left the scene, you can explain the situation to the claims adjuster, who can take staged photos at the scene or find another location for staged photos. If the insured or an authorized driver causes an accident while driving the insured vehicle, resulting in damage to the insured vehicle, the insurance company will compensate within a reasonable range. Filing two or more claims: Vehicle damage insurance, which covers the loss of the vehicle itself, stipulates that filing one claim will increase the premium by 10%. Before filing a claim, it's best to calculate based on your current year's premium. If the 10% increase in premium is higher than the repair cost, filing two or more claims in a year will affect next year's insurance.

[JosieLee]

Last time my car got a scratch and a piece of paint was scraped off, I specifically consulted a friend from the insurance company. He said that as long as you file an insurance claim, the system will record the number of claims. Even if it's only a 500 yuan payout, it will affect the commercial insurance discount when renewing the next year. I have a colleague who dealt with two or three minor scratches the year before last, and last year his premium increased by 30% directly. So now when I encounter minor scratches or bumps, I first ask the repair shop for a quote. If it's within 1,000 yuan, I simply pay for the repair myself, because the premium increase the following year might be even more expensive. Of course, if the primer is damaged or the sheet metal is severely deformed, you still have to go through insurance—safety first.

[Bilbo]

Just helped my cousin with the insurance claim. His car got dented in a shopping mall parking lot. Although the other party was fully at fault, if he uses compulsory traffic insurance to cover the repair costs first, it won't affect next year's commercial insurance discount. However, you need to be careful with minor accidents where you're at fault. Last month when I renewed my policy, I specifically asked - insurers adjust rates based on claim frequency. Those like me with 3 claim-free years get 40% off, but one claim reduces the discount to 25% off. So now for minor scratches in the neighborhood, I choose to settle privately for 300-500 yuan, since premium rate hikes cost way more.