If the car is accidentally scratched, can I apply for insurance?

Even if the car is scraped by yourself, the car insurance company will pay the claim.

In particular, there is no doubt about the relatively large and regular car insurance companies, of course, the premise of the whole incident is that the car owner has purchased car damage insurance.

as well as its additional insurance, vehicle scratch insurance. From the insurance liability, we can find that as long as there is no obvious collision mark of vehicle scratch insurance, the car insurance company will basically compensate for the body scratches, not to mention, the car is scratched by itself, which is also a kind of accident, I believe that no one will be idle to hurt their own vehicle.

Scratches on the vehicle due to one's own reasons usually refer to the scratches caused by carelessness in the process of driving, and the car insurance company will compensate accordingly if this is the case.

If you accidentally scratch while driving, you can apply for insurance, provided that you have purchased car damage insurance. Because of compulsory traffic insurance and third-party liability insurance.

It is a type of insurance that pays for others, and cannot be used on your own vehicle, so you should pay special attention to this. If you're not very skilled at driving, it's a good idea to buy damage insurance in case you need it.

If you are worried about the question of "is it cost-effective to take out insurance within 1,000 yuan", you can actually choose not to take out the insurance according to whether the second year's premium discount can offset the cost of this vehicle loss repair. However, under normal circumstances, it is not recommended to take out insurance if the vehicle loss is less than 500 yuan, and 500 yuan is the watershed.

More than 500 yuan out of compulsory insurance, more than 1,000 yuan can be considered for commercial insurance.

Therefore, novices should not be entangled in the problem, and the risk can reduce the burden of loss. However, if it is more than 48 hours, it is recommended that you still bring your ID card.

Original, report to the car insurance company.

During the damage assessment process, if the loss assessor of the car insurance company asks everyone whether the car was scraped by themselves, you can also be truthful, because this will not affect the company's claim amount.

Since the car insurance company has not had an insurance in the previous year, the owner can enjoy more discounts when the car owner is insured in the next year, so you can check the severity of the vehicle scratches in advance before appearing.

After the car is scratched, you can apply for insurance claims, which mainly include reporting, investigation, damage assessment, and compensation. Among them, the owner of the car needs to report the accident within 48 hours.

And, when waiting for the arrival of the staff of the insurance company, it is necessary to pay attention to: first, pay attention to whether there are ** people in the accident, if there is, rescue should be implemented immediately to reduce the risk coefficient of vehicle accidents; On the other hand, if it is at night, remember to turn on the lights when the car is waiting, so that it can warn other vehicles on the road.

However, if you don't buy scratch insurance, you can't report the crime according to the scratches, and the insurance company won't pay for it. You can only report the case by bumping, and there must be a scene, and if the location is more scattered, it cannot be solved at one time, because it is impossible to find such a suitable scene, so you can only go in blocks.

You are like what you said in this situation, if the car is accidentally scratched by yourself, it depends on whether you buy it, there is insurance, if there is no insurance, it will definitely not be reimbursed. However, this situation needs to be confirmed to be unconscious, but it can generally be reimbursed, as long as you have purchased insurance. Hope.

Yes, but only if you have car damage insurance.

If it is relatively small, it is not recommended to apply for insurance, because of this.

The cost of insurance will also increase in the following year.

For details, you can consult the person who buys your own insurance.

You can apply for insurance, first of all, you need to call your ** number, report your specific location and license plate number, I think ordinary careless scratching does not need insurance, because after you apply for insurance, then it belongs to the insurance The premium of the second year will be paid in full in full, without any discount and floating.

If the car is accidentally scratched by yourself, then if there is car damage insurance in the insurance you report, there is no third-party liability insurance, so you can report it mainly depending on what insurance items you have paid.

Many people think that car insurance is a pit, and if there is no accident, the insurance premium will be paid in vain, but insurance is not good if you don't buy it, and it plays an extremely important role at a critical time. The rules of insurance can change at any time, so you should familiarize yourself with the rules of insurance and try to avoid spending money in vain.

If the car is accidentally scratched by yourself, whether you can apply for insurance depends on your own insurance for your car.

Whether it is a two-party accident or a unilateral accident of vehicle damage can be reported insurance, if not serious, only a slight scratch is not recommended to report insurance, if the insurance affects the next year's premium, that is, no discount.

Of course, you can report insurance, traffic accidents, accidents, and injuries caused by accidents are all covered by the insurance and can be reported.

If you have purchased car damage insurance, then you should apply for insurance, and the insurance company will compensate you.

It's not serious if the car is scratched for a day, so it doesn't matter, so why bother thinking about higher insurance?

Can I take insurance for my own car?

If the car is scraped by itself, you can apply for insurance. Motor vehicle insurance refers to a kind of property insurance, also known as automobile insurance, which is a kind of transportation insurance that takes the motor vehicle itself and the third-party liability of the motor vehicle as the subject of insurance.

1. Car insurance

Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles. Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles.

At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body. The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance, and total vehicle theft insurance. Motor vehicle damage insurance is an insurance that covers the insured vehicle suffering from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer will compensate in accordance with the provisions of the insurance contract.

2. How to apply for insurance after the car is drawn by yourself

If the car is scraped by itself, you can apply for insurance. Motor vehicle insurance refers to a kind of property insurance, also known as automobile insurance, which is a kind of transportation insurance that takes the motor vehicle itself and the third-party liability of the motor vehicle as the subject of insurance.

The specific insurance application process is as follows:

1. Report to the insurance company, explain the situation, and the general insurance company will not pay compensation for more than 48 hours, keep the on-site situation, and the insurance company will send someone to verify;

2. On-site processing, the loss is small, the insurance company sends someone to the scene to investigate, and issues the "investigation report", the loss is larger, if the surveyor thinks that it is necessary to report to the traffic police for processing, he will report to the traffic police department, and the traffic police department will investigate and collect evidence at the scene, and issue the "accident identification letter";

3. Assess the damage and repair the vehicle, the owner will drive the vehicle to the damage assessment center designated by the insurance company or the owner himself, and the insurance company will assess the damage, and the repair shop will repair the car after the damage assessment is completed, and the owner can pick up the car after the vehicle repair is completed.

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Hello, I can fully understand your feelings, you can apply for insurance, provided that you have purchased car damage insurance. Because compulsory traffic insurance and third-party liability insurance are types of insurance that pay for others and cannot be used on their own vehicles, special attention should be paid to this. If your driving skills are not very proficient, it is best to buy car damage insurance in case of emergency, car damage insurance refers to a kind of car commercial insurance that the insured or its permitted driver is damaged due to an insured accident when using the insured vehicle, and the insurance company will compensate within a reasonable range.

Car damage insurance and third-party insurance are the basic insurance of vehicle insurance, which mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use! I hope my answer is helpful to you! Thanks, I got the question.

If our car is scratched, don't rush to repair the car directly, it is more cost-effective to repair the car with this method, and you can save a lot of repair costs in a year.

If the car is scratched by itself, you can apply for insurance, as long as you have purchased car damage insurance, you can apply for insurance.

Can I take insurance for my own car?

Such expensive accessories are more suitable for insurance, and the cost of working hours is not cheap, find a place to restore the scene of the car crash, shoot it in**, contact the insurance commissioner to upload the accident car damage ** damage assessment and repair the car step by step according to the process he said.

Call the insurance company's customer service** to report the case; When the insurance company's investigators arrive at the scene, they will determine the cause, nature, and damage of the accident. Then there is the process of damage assessment, the repair shop implements the price of the loss of the vehicle, and the insurance personnel and the owner sign it after no objection; Collect the required materials of the case and submit them to the insurance personnel for the claim formalities; The insurance company will be able to transfer the money to the owner's account after being reviewed by different departments.

If the car is scratched, you can take insurance, depending on the damage situation, you can take scratch insurance or car damage insurance. For example, if the vehicle is parked in the community, and the child naughtily scratches the body paint with a sharp object, in this case, if the insurance is insured, you can get a claim.

If the vehicle is scratched due to an accident while driving, it is covered by the vehicle damage insurance. If it is the above situation, the insured scratch insurance can directly call the insurance company** to report the repair. Body Scratch Loss Insurance:

Body scratch loss insurance means that the car body scratch damage caused by the malicious behavior of others, the insurance company will compensate according to the actual loss. The insurance company is responsible for the compensation, and there are no scratches with obvious collision marks. If the vehicle is seriously scratched, you need to call 110 to call the police, and in this kind of hit-and-run situation, your insurance company will only pay 70%.

If you don't have car damage insurance, you can't get additional insurance.

Car damage insurance: The insured or the driver allowed by the insured has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range, and the car damage insurance is the insurance for the loss of the vehicle itself. More common car damages:

Collisions, overturns (rollovers), natural disasters, etc. (hail, heavy rain, etc.).

If you scrape the car yourself, you can take insurance, which belongs to the vehicleAccident insuranceone.

It is best for the owner to keep the evidence at the scene and report to the insurance company within 48 hours, if it exceeds 48 hours, the owner needs to report to the insurance company with the relevant materials.

However, if it is a minor scratch, the user can deal with it by himself, and the insurance company's insurance will affect the car insurance rate when the car owner renews the next year. So, according to this question, let me help you analyze whether you need to take insurance or not.

First of all, how much money is needed to repair, if the scratches are more serious, you must spray paint, generally speaking, the car below 20w, the outside maintenance plant is about 300, the pearl paint on the market is more expensive, 4S shop.

It is about twice as expensive, and the car of 200,000 to four or five hundred thousand is more than 500, and the 4S shop is more than 800, except for the maintenance shops that are active and recognized.

StillIf it is a small scratch, the owner can save himself. First, the surface is derusted and rust prevented, and after the car is washed and dried, the rust remover is applied to the scratches.

Wipe the rust remover for about a quarter of an hour and apply the rust inhibitor. After applying the anti-rust agent, wait a few minutes before spraying the self-spraying paint, and cover the area around the car pin marks with newspaper before painting, and dry it naturally after spraying, and finally apply fine wax.

Besides, if it gets to the point where you have to spray paint, do you have to go insurance or pay out of pocket? In general, insurance is divided into compulsory insurance and commercial insurance.

The property compensation limit of compulsory traffic insurance is 2000, and it will increase by 100 in the following year after the accident, and so on, and the upper limit will be increased after two increases. In fact, what I want to say is that the key smile, the accident of this compulsory traffic insurance has nothing to do with the number of times, but is related to the amount. If you take commercial insurance, the money you spend is about the same as paying for it yourself, the difference is that commercial insurance is more like installment payment.

Summary:Some small accidents are more cost-effective to take compulsory traffic insurance, but you must pay attention to grasp the amount, otherwise it will be a headache Why not take commercial insurance? Quite simply, commercial insurance is calculated based on the number of accidentsDiscounted rateIf it is a relatively small accident to take commercial insurance, it may cost more than you take the car to repair yourself, so the gain outweighs the loss.

Finally, you still need to be careful when driving, and in the process of driving, you must keep your lane, do not merge repeatedly, and do not drive on the line. In particular, when driving in congested roads, be sure to drive at a low speed in your lane, and pay attention to the traffic environment around the vehicle through the rearview mirror and turning back to prevent scratching.