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Will Insurance Cover Scratched Rims?

2 Answers

MacAngelo

07/28/25 10:16pm

For scratched rims, as long as the owner has purchased the relevant insurance coverage, the insurance company can provide compensation. Below are the relevant details: 1. Liability: If the vehicle accident is the owner's own responsibility, then if the owner has purchased vehicle damage insurance, the insurance company must provide compensation according to the terms of the vehicle damage insurance. If it is the other party's responsibility, then the other party's vehicle must have compulsory traffic insurance or third-party liability insurance. If the vehicle does not have the corresponding insurance coverage, the insurance company will not provide compensation. 2. Repair Period: Losses during the repair period are not covered. If the vehicle suffers any collision, theft, or other losses during the repair period, the insurance company will refuse to compensate, as the repair shop is responsible for properly safeguarding the vehicle under repair.

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StMaggie

08/12/25 2:48am

Last time I parked, I accidentally scraped the wheel hub, leaving a noticeable scratch. I immediately called my insurance company to confirm, and they said standard auto damage insurance usually doesn’t cover such everyday scratches because the policy is mainly designed to cover damages caused by accidents, such as collisions or unforeseen events. If the scratch wasn’t caused by a car accident, it’s generally considered normal wear and tear or human negligence, falling under out-of-pocket expenses. Since I didn’t add scratch coverage when I bought the insurance, I had to pay for the repair myself. I went to a professional shop for a paint touch-up, which cost me 180 yuan. I recommend driving carefully, using rearview mirrors or cameras to assist when parking, and keeping a safe distance from curbs. If it happens, check your policy first for any additional clauses—don’t waste time filing a claim unless it’s major damage caused by an accident. Scratched wheel hubs affect aesthetics but not driving safety, so prioritize cost-effective repair options.

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