Whether it is subway, viaduct or urban light rail, it is to meet the increasing traffic flow without the limitation of urban road area, because the number of motor vehicles will increase with the continuous growth of people's economic income. Generally, when buying a new car in a 4s shop for the first time, the salesperson will recommend a lot of insurance. What some people want to know is whether the new car needs scratch insurance? In fact, there is no uniform definition of whether it is necessary to buy. You can make your own decision after you know the scratch risk. 1. Do I need scratch insurance for the new car I just bought in China? According to its own conditions, scratch insurance is an additional risk of vehicle damage insurance, that is, if motor vehicle loss insurance is insured, scratch insurance can be insured; Scratch insurance is the full name of body scratch loss insurance, and both family vehicles and non-business vehicles can be insured. It means that during the insurance period, if the paint on the body surface without obvious collision marks is scraped separately, the insurance company shall be responsible for compensation according to the actual loss; Scratch insurance is an additional risk of vehicle damage insurance, that is, if motor vehicle loss insurance is insured, scratch insurance can be insured. Scratch insurance is the full name of body scratch loss insurance, and both family vehicles and non-business vehicles can be insured. It means that during the insurance period, the paint on the body surface without obvious collision marks is scraped separately, and the insurance company is responsible for compensation according to the actual loss. Scratch insurance is an additional risk of vehicle loss insurance, that is, it can be insured under the condition of vehicle loss insurance, but it cannot be insured separately. Second, the content of motor vehicle body scratch insurance 1, scratch loss insurance liability: for the scratch loss caused by the body without obvious collision marks, the insurer will be responsible for certain compensation. 2. Liability for body scratch insurance: The losses caused by the intentional actions of the insured and his family members, the driver and his family members shall be exempted. 3. What's the coverage of car scratch insurance? The general insurance amount is mainly 2000 yuan, 5000 yuan, 10000 yuan or 20000 yuan, which is determined by the insured and the insurer through consultation. 4. The compensation for car body scratch insurance (1) is calculated according to the actual repair cost within the insured amount. (2) Implement various compensations of 15%. (3) During the insurance period, the accumulated compensation amount reaches the insured amount, and the insurance liability of this additional insurance is terminated. Third, the scratch insurance claims process If the insured vehicle is scratched, it must be reported to the insurance company in time, and then the normal claims procedure will be carried out. When reporting a case to an insurance company, car owners should pay special attention to the reporting time, which generally needs to be completed within 48 hours; If there is overtime work, the insured needs to bring his original ID card and report it to the insurance company in person. After the insurance company repairs the damage, you can go to the 4S shop to repair the car. If the vehicle is scratched on the road, then the traffic police need to issue relevant accident certificates. If the vehicle is scraped off the road now, the police station is required to issue an accident certificate. If the car only needs painting and does not need plastic surgery, then there is no need for on-site reporting. You can call the insurance company when you have time. It means there are scratches on the car body. Then wait for the adjuster to contact you and set a price according to the specific loss of the car. Then take the damage list to the repair shop for repair, payment and receipt. After that, the insured can take all the materials to the insurance company to make claims. Scratch insurance pays the highest amount, mainly depending on how much you specifically insured when you insured it. First of all, I want to talk about scratch insurance, which is not required by the state. It is completely different from compulsory insurance. In addition, scratch insurance cannot be purchased separately. This is an additional risk of car damage insurance, although the premium of scratch insurance is generally several hundred yuan.