What should I do if my car is scratched?
In daily driving, vehicles being rubbed is a common problem, especially when parking is crowded or the road is narrow. When encountering this situation, car owners need to deal with it calmly and follow the correct steps to protect their own rights and interests. The following is a summary of the hot topics on the Internet in the past 10 days on "What to do if your car is hit" for your reference.
1. Emergency treatment steps after your car is hit
1.Stop and inspect immediately: After discovering that your vehicle has been hit, stop the vehicle immediately to check the damage to avoid secondary damage caused by continuing to drive.
2.Take photos to collect evidence: Use your mobile phone to take photos of the scene, including the damaged parts of the vehicle, the surrounding environment, the other party’s vehicle (if any) and license plate number, etc.
3.Contact the other car owner: If there is a car collision involving the other party and the owner is present, negotiate a solution; if the other party is not present, try to find clues through surveillance or witnesses.
4.Alarm handling: If the injury is serious or the other party escapes, dial 122 immediately to call the police and contact the insurance company.
2. Division of responsibilities and compensation after the car is hit
| Responsible party | Compensation method | Things to note |
|---|---|---|
| The other party is fully responsible | The other party’s insurance company pays compensation | Keep the other party’s contact information and insurance information |
| Both parties are responsible | Share according to proportion of responsibility | A letter of responsibility is required from the traffic police |
| The other party escapes | Recovery through insurance subrogation | Surveillance or witness evidence is required |
| No third party | Pay it yourself or apply for insurance | It is not recommended to take insurance for small injuries |
3. Repair options after the car has been scratched
1.4S shop maintenance: Suitable for serious damage, the repair quality is guaranteed, but the cost is higher.
2.chain repair shop: Highly cost-effective, suitable for small and medium-sized injuries, you need to choose a regular store.
3.Handle it yourself: Minor scratches can be repaired by polishing or a touch-up pen, which is low-cost but has limited effect.
4. Insurance claims process after car was damaged
1.Report the crime: Call the insurance company and explain the accident.
2.Assess loss: The insurance company arranges for a loss assessor to assess the damage and determine the amount of compensation.
3.Repair:Select a cooperative repair point or submit an invoice after repairing by yourself.
4.compensation: The insurance company will make payment after review.
5. How to prevent your vehicle from being rubbed
1.Choose a safe parking space: Try to park in areas covered by surveillance or in densely populated areas.
2.Install driving recorder: Monitoring mode can be turned on when parking to record surrounding conditions.
3.Keep distance between cars: When driving on narrow roads or parking lots, keep a distance from other vehicles.
Conclusion
Although it is annoying to have your vehicle scratched, the damage can be minimized with the correct treatment. It is recommended that car owners learn more about relevant laws and insurance knowledge to prevent problems before they occur. If you encounter a complicated situation, seek help from the traffic police or professionals in time.
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