Will insurance cover scratches on the car if there is no surveillance?
2 Answers
Whether insurance will cover scratches on the car without surveillance depends on various situations, and each case should be treated specifically. Below are the specific explanations regarding insurance compensation: 1. Situation 1: If the car was parked in a paid parking lot or a paid roadside parking space, and it can be proven that the car was scratched there, then the property management of the parking lot or the safety administrator of the parking lot must compensate for the damage. Therefore, if the perpetrator cannot be found, the property management should be responsible for compensation. 2. Situation 2: If the offending vehicle cannot be found, and if your car has a body scratch insurance, you can claim compensation from the insurance company. However, this type of insurance is rarely purchased. If you haven't purchased scratch insurance, you can ask the traffic police to issue a report and claim compensation under the vehicle damage insurance.
I remember my car got scratched while parked in the residential area before, with no surveillance footage available. However, my auto damage insurance still covered it because I promptly reported to the police to obtain an accident certificate and then notified the insurer to send an appraiser for damage assessment. Scratch insurance usually covers such unidentified damages, provided you can furnish a police report record; otherwise, they might suspect self-inflicted damage for fraudulent claims. The claims process is straightforward: first take photos as evidence, then contact customer service to fill out forms. After compensation, premiums may slightly increase, so I recommend car owners consider installing a dashcam to prevent similar issues and avoid unnecessary hassles. Choosing safe parking spots is also crucial—avoid remote corners.
