Are car scratches covered by insurance?

clydiobusky

I accidentally bumped my car to the wall at the right side of my car while parking. No major dents or whatever naman but there were a few scratches which I couldn't remove using the scratch remover I purchased months back so medyo deep 'yung scratches and the paint faded. Question is, can I have those scratches fixed by the casa using the insurance as payment? I believe I have to pay participation fee as the accident was partially my fault due to my miscalculation during parking. But how much do you think would I have to pay as participation fee? Should I bring this matter to my dealer and insurance or should I have the scratches fixed first by a carwash/autobody shop? Please advise me on what I should do about the scratches. Medyo OC din kasi ako and I get bothered with the fact that my car has scratches. Haha. Thanks so much for answering 😊

panis_na_puto

Kung maliliit na gasgas lang pagawa mo na lang nang hindi isisingil sa insurance. Baka mas mura pa kaysa sa participation fee ang magagastos mo.

mazdamazda

clydiobusky wrote: »

I accidentally bumped my car to the wall at the right side of my car while parking. No major dents or whatever naman but there were a few scratches which I couldn't remove using the scratch remover I purchased months back so medyo deep 'yung scratches and the paint faded. Question is, can I have those scratches fixed by the casa using the insurance as payment? I believe I have to pay participation fee as the accident was partially my fault due to my miscalculation during parking. But how much do you think would I have to pay as participation fee? Should I bring this matter to my dealer and insurance or should I have the scratches fixed first by a carwash/autobody shop? Please advise me on what I should do about the scratches. Medyo OC din kasi ako and I get bothered with the fact that my car has scratches. Haha. Thanks so much for answering 😊

The participation fee is indicated in your insurance policy. Usually 0.5 to 1% of your car's insured value.

You will need to pay the full amount of the participation fee per incident or claim.

If small scratches lang - baka mas mataas pa ang participation fee kesa sa repair cost. Best to have it estimated by your casa or a reputable shop. Minsan baka kaya naman ng touch up paint.

I was able to claim for scratches via insurance - when I accidentally scraped a sidecar parked near our garage. Since two panels ang gasgas worth it (P5,000 per panel) while P6,000 yata ang participation fee ko.