How to deal with vehicle scratches
Vehicle scratches are common minor accidents in daily driving. Correct handling can not only reduce losses, but also avoid unnecessary disputes. The following is a guide to handling vehicle scratches that has been hotly discussed on the Internet in the past 10 days. It combines the latest hot topics and structured data to provide you with a comprehensive solution.
1. Vehicle Scratch Treatment Steps
1.Stop and inspect immediately: After a scratch occurs, turn on the double flashers as soon as possible and stop in a safe area to check the damage.
2.Take photos to collect evidence: Take multi-angle photos of the accident scene, damaged parts of the vehicle, the other party’s license plate, etc. to ensure complete evidence.
3.Negotiate Responsibilities: If the responsibility is clear, you can negotiate with the other party to settle the matter privately; if there is a dispute, you need to call the police and contact the insurance company.
4.Fill out the expedited processing form: Some cities support rapid handling of traffic accidents, and both parties can evacuate the scene after filling in the documents.
5.insurance claims: Keep all evidence, report the case and submit materials to the insurance company within 48 hours.
| Processing steps | critical operations | Things to note |
|---|---|---|
| parking inspection | Turn on double flashes and place warning signs | Keep yourself and others safe |
| Take photos to collect evidence | Panorama, details, license plate photos | Take at least 5 photos from different angles |
| Responsibility determination | Negotiate or call the police | If the dispute is serious, the police must be called |
| insurance claims | Report the crime within 48 hours | Keep maintenance invoices and other documents |
2. Vehicle scratch repair cost reference
According to recent auto repair industry data, common scratch repair costs are as follows:
| degree of damage | How to fix it | Cost range (yuan) |
|---|---|---|
| minor scratches | Polishing | 50-200 |
| Superficial scratch | Partial touch up paint | 300-800 |
| deep scratch | Sheet metal + spray painting | 800-2000 |
| Multifaceted damage | Full car spray paint | 3000-8000 |
3. The choice between private settlement and insurance claim settlement
Recent hot discussions have focused on whether insurance should be used for small accidents:
1.Private applicable scenarios: The loss is less than 500 yuan, the responsibility is clear and undisputed, and the other party is willing to pay compensation on the spot.
2.Insurance claim scenario: Involving third-party losses, serious damage (over 1,000 yuan), and unclear liability determination.
3.Latest policy impact: After the comprehensive reform of auto insurance in 2023, small claims may affect the premium discount rate for the following year.
| decision factors | Private suggestions | insurance advice |
|---|---|---|
| Amount of loss | <500 yuan | >1000 yuan |
| Responsibility determination | clear and undisputed | There is controversy |
| History in danger | No accidents in recent years | Have been in danger many times |
4. Special precautions for scratching new energy vehicles
In light of recent hot events on new energy vehicles, we would like to remind you:
1.High voltage battery protection: When scratching involves the chassis, a professional organization is required to check the battery safety.
2.Sensor repair: If the vehicle body radar/camera area is scratched, original accessories must be used.
3.Special paint treatment: Some brands use special coatings, which may not be perfectly repaired by ordinary repair shops.
5. References to the latest legal rights protection cases
A court ruling in a certain place in August 2023 shows:
1. The party involved in the hit-and-run accident bears full responsibility, and the compensation amount includes the depreciation of the vehicle.
2. The driving recorder video was admitted as key evidence.
3. The maintenance quotation from the 4S store was deemed as the basis for reasonable compensation.
Properly handling vehicle scratches can not only protect your rights and interests, but also improve road safety awareness. It is recommended that car owners carry an emergency kit with their vehicle, including traffic accident handling sheets, warning signs, first aid kits and other items to be fully prepared.
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