If children scratch the car parked in the parking lot, will they still get the insurance claim?

Admin — Sun, 04 Jan 2026 07:16:04 +0000

Car Insurance Rules: Nowadays, almost everyone has a car and everyone likes their car very much. People consider it not just a means of travel but also a part of their hard-earned money and status. Many times when people are going out for a walk, they park their cars in the parking lot.

In such a situation, when a scratch suddenly appears on a car parked in the parking lot, it is natural to feel heartbroken. Many times they get attached to children while playing scratch. Then the biggest question is whether an insurance claim will be received in such a situation or not. Let us tell you information about this

Rule for claim on scratches caused by children in parking?

If your car was parked in the parking lot and it got scratched because of children, then it is generally considered as accidental damage. Getting a claim in such cases depends on which insurance you have. If you have only third party insurance on your car, there will be no claim for scratches or body damage. But if you have taken a comprehensive or bumper to bumper policy.

So a scratch claim can be made. It is not necessary to prove the age of the children, their intentions or their mistake. What matters to the insurance company is that the loss occurred suddenly and unintentionally. Although very light scratches, which do not show any significant damage to the paint or body. Sometimes the company may even dismiss them as wear and tear.

What things should be kept in mind while making a claim

If you want to make a scratch claim, it is important to keep a few things in mind. First of all, take a clear photo of the damage immediately. So that there is no dispute later. Also keep a photo of the parking area. So that it could be proved that the car was standing. If the scratch is too deep or the paint has come off. So it is beneficial to register a general diary or a simple complaint in the nearest police station.

Provide correct information while making claim. Do not tell a false story or claim a major accident. Along with this, also understand that making a claim may void your no claim bonus. Sometimes it is a wiser decision to spend out of pocket for small scratches. Therefore, before making a claim, calculate the repair cost and loss of bonus.

Also read: You will be able to wash utensils comfortably in winter without geyser, adopt this method

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While taking insurance of the car, take special care of these 4 things

Admin — Sat, 13 Sep 2025 13:56:39 +0000

There are many insurance policies in the market. But it is not right for everyone. Therefore, while taking car insurance, you should take special care of some things. Because choosing the wrong policy can lead to less profit and loss.

You should use your daily and watch your budget while taking insurance policy. While taking the policy, it is also important that what is the cover in it. Only third party is a mandator in the country. But it does not work only.

If you want to protect both your car and yourself. So it is better to take a compost policy for this. So apart from this, people often ignore the ad-on ad-on. In which ad-on-on-on-on-on-ups like zero deparction, roadside assistance and engine protection are very useful.

Therefore, things you may need. According to that, one should choose the right add-on. Car insurance is easy. But claiming it is equally important. If the company’s claim process is tall or difficult then it will be a problem.

Always choose a company whose claim can be done quickly and without more hassle. Do not be happy to see only a low premium while taking the policy. See what the right coverage is getting. Also pay attention to no claim bonus. This bonus saves you on premium after doing good driving every year.

And finally the most important thing should be renewed on time. If you miss even a day, then policy laps can be done and then you may have to conduct a fresh investigation. To avoid this mess, remember the date and renew it.

Published at: 13 Sep 2025 04:44 pm (IST)

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