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.

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