1. If you buy car damage insurance separately and can't find a third party, you can insure 70% of the car damage insurance.

2. If you can't find third-party insurance at the same time, you can reimburse 100% of the car damage.

Auto insurance, when there is no insurance accident in the first year, the premium in the second year will be given a high discount, up to 2.9 fold.

There will be risks in the first year, and the discount will be much lower in the second year, and it is even possible to restore the original price.

If there are too many accidents in the first year, the premium will be much higher in the second year. The basic principle is to restore the original price at one time and increase the premium by 25% for each increase.

Friends who have bought auto insurance should know that the premium in the first year is very high, so if you choose not to insure, you must have a rough estimate in your heart.

If the car damage is not high, just bear it yourself, otherwise the extra premium for insurance in the second year will make you lose a lot.

I hope it helps you.

First of all, it depends on what kind of insurance you buy.

The newspaper can certainly report it.

1. If you buy car damage insurance and can't find a third party if you don't buy it, the insurance company will be exempted from paying 30% of the maintenance fee.

2. If you buy car damage insurance and can't find the third party liability insurance, the insurance company will pay in full.

You should consider how much the premium will increase in the second year if you insure it. If the floating amount exceeds the claim amount, you'd better pay for it yourself.

Generally, the cover is slightly remodeled and painted at most 300. The premium increase in the second year will definitely exceed this amount.

The last suggestion is not to take out insurance.

Hello, I'm glad to answer your question! Scratches on vehicles can be insured. But the premise is that you have to buy corresponding insurance, vehicle scratch insurance, but most insurance companies can only buy new cars for 2-3 years. After this time, you can't buy any more cars. Moreover, the current insurance will increase in the next year, so it is probably not worthwhile to insure a small amount of car damage insurance. You might as well spend your own money to solve the problem. To sum up, the situation is that you have to buy car scratch insurance first, and then. If you don't buy the corresponding insurance, you can find a repair shop with better price and construction technology, and the cost is not much.

1. It is your right to apply for insurance. It depends on the insurance you buy. In your case, according to your situation, this scratch should not cause deformation, so you can only pay with scratch insurance, so the early stage of your claim should be to buy scratch insurance.

Since it is your right to insure, you can choose not to insure. If you are not the kind of person who pursues perfection, and think there is something fishy in it, find someone to deal with it yourself, or even ignore it. Then you can not report it.

3. Why did you choose not to report it? The advantage of not reporting is that you don't have to run this trip, and you won't get an extra insurance because of this. Remember, although auto insurance belongs to one-year property insurance, the number of claims in this year directly affects the discount point of next year's premium.

You can also apply. If you buy scratch insurance, you can use it when you buy it As for the insurance premium for next year, if you don't care too much. Why not report it? It is also a good choice to go to 4s shop for maintenance.

I'm Bao Bei Jr. Thank you for reading. Welcome attention.

Yes, but there is generally no need to report it.

It depends on the loss!

When the maintenance amount of fixed loss exceeds the premium increase amount of commercial insurance in the next year, a report can be made. Otherwise, reporting is not recommended. For low-priced family cars, just buy some paint from a treasure and make it yourself.

If there is a risk of scratching, you can lodge a claim.