Will Insurance Cover Scratched Rims?

[MacAngelo]

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.

[StMaggie]

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.

[SanMicah]

I've been driving for years and have seen many cases of wheel rim scratches. Basic insurance like comprehensive or compulsory insurance rarely covers such minor issues, as they're more geared towards serious accidents. Scratches are usually caused by improper parking or uneven road surfaces, which insurers consider the owner's maintenance responsibility and thus not covered. If the rim damage occurs in a traffic accident, such as being hit, then comprehensive insurance might partially cover it, but simple scrapes won't qualify. I recommend checking the wheel position after each parking to avoid getting too close to curbs; repairs aren't difficult—just find a local shop for grinding and repainting. Costs depend on the scratch size, with minor ones fixed for around 100 yuan. Insurance mainly covers major risks like injury accidents, so handling small rim issues yourself is more practical. Check your policy for scratch coverage, but most people skip it as it's not cost-effective for everyday minor scrapes.

[VonAlan]

Wheel rim scratches are generally not covered by insurance. Standard auto damage insurance only covers losses related to accidents, while scratches are mostly caused by human factors or wear and tear, which are not within the scope of coverage. Unless you have purchased scratch insurance, which may include cosmetic damage. For a simple DIY solution, you can opt for spray paint repair at a repair shop, which is cheap and quick. Be sure to read the insurance policy carefully to confirm if there are any exceptions.