Will insurance cover the damage if my car is scratched and the culprit can't be found?
1 Answers
If your car is scratched and the person responsible cannot be found, the insurance company will cover the damage. Here are the relevant details: 1. Purchase Conditions: Because the probability of claims for scratch insurance is relatively high, there are conditions for purchasing it. Generally, insurance companies stipulate that only vehicles purchased within the last two years can be insured for scratches. Additionally, scratch insurance is an add-on to comprehensive car insurance, meaning you must first purchase comprehensive coverage before you can add scratch insurance. 2. Scratch Insurance: Scratch insurance typically covers damage to the car's paint caused by sharp objects, such as knives, stones, keys, etc. However, it's important to note that damage caused by collisions with other objects, such as vehicle collisions or scraping against fixed objects, is not covered under scratch insurance but falls under comprehensive car insurance. Scratch insurance is an additional coverage to vehicle damage insurance and cannot be purchased separately.