How to take insurance if the car is scratched, how to take insurance if the car is scraped by others

The first step: call the police, wait for the traffic police to go out and determine the responsibility, second, call the insurance company to open the third to 4s to dismantle and inspect the damage, and the fourth can be repaired after the damage is determined.

First take the car insurance ** insurance, and then wait for the accident officer to the scene to assess the damage, if the other party is responsible, then you need the other party's vehicle insurance to compensate for your vehicle maintenance costs, all to the insurance company's damage assessment.

Hello friend, the car has been scratched, take the insurance look at the following five steps.

3. Then there is the process of damage assessment, the repair shop will price the loss of the vehicle, and the insurance personnel and the owner will sign and confirm after no objection;

4. Collect the required materials of the case and submit them to the insurance personnel for claim procedures;

5. The insurance company can pay the car owner's account after being reviewed by different departments and confirmed. Some insurance companies do not need the owner to pay in advance, and all the money will be paid by the car repair company.

When our vehicle is damaged and cannot find a third party, we can make a claim through the car damage insurance and cannot find a third party special insurance. Before the 2020 car insurance reform, the inability to find a third-party special insurance is used as an additional insurance for car damage insurance, when the insured vehicle is damaged and a third party cannot be found, the insurance company will only pay 70% of the loss, and the remaining 30% needs to be borne by the car owner, but if the insurance cannot find a third-party special insurance, then the insurance company will pay the full amount.

However, after the car insurance reform in 2020, it is impossible to find a third-party special insurance that has been added to the insurance liability scope of car damage insurance, and the car owner does not need to purchase additional insurance, that is, as long as the car damage insurance is purchased, then even if the vehicle is damaged and the other party cannot be found, the insurance company will give full compensation to the car owner's loss, and the car owner does not need to bear any costs.

After the car was scraped by someone else's house, keep the scene of the accident, and immediately report to the insurance company, if the third party loss is the vehicle, you need to report to the traffic police department, under normal circumstances, if you report to the insurance company, the insurance company requires the traffic police case, the insurance company personnel do not need to go to the scene to deal with it.

The old driver suggested that the vehicle should not be private after scratching, if the small scratch hurts the primer, it seems that a simple spray can be, the other party will be very low, but to the 4S shop Repair shop simple spraying will have a color difference, so the maintenance personnel generally recommend the whole piece of spraying, at this time the private money is not enough to fill the whole piece of spraying, it will be more disadvantaged.

The traffic police did not see the scene, and they did not necessarily dare to have an accident at will, indicating that because it was an accident between the two parties, the insurance company did not see the scene, and there was no accident indication from the traffic police. The insurance company will not settle the claim, and there is another way, whether you can find the car that rubs the road, if you can, see if you can negotiate with him to go to the traffic police team, and explain the situation.

After the car is scraped, it is necessary to protect the scene, directly call the insurance company, and the insurance company will send someone to investigate and collect evidence, and then make a claim and go through the claim procedure.

You can go insurance, which is a vehicle accident insurance.

one. 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.

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. There may be a deductible at the time of compensation, which means that the insurance company may not cover the entire loss, and you may have to bear some of the loss.

The insurance company is responsible for compensation, and there are no obvious collision marks on scratches, such as: 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 a vehicle damage insurance.

Coverage of the Benefits. Scratch insurance.

It is an additional insurance for car damage insurance, and the protection liability is "artificial scratches on the body of the insured vehicle caused by the malicious behavior of others", and the premium of scratch insurance is not high, generally around a few hundred yuan.

The reporter learned that the property insurance companies in Wenzhou City all said that they do not handle this business at present, and some companies said that they had had this business before, but now they have stopped. Relevant personnel said that because the identification of the cause of scratch insurance is more complicated, it is difficult to obtain evidence at the accident scene, and there is a moral hazard. Some car owners feel that the vehicle is old and want to spray paint, so they scratch a few marks on their car. This makes the loss ratio of scratch insurance higher and the burden on the insurance company.

Photo by Chen Jie.