China citizens know that they are under great pressure in today's road traffic. Usually, whether going to work or traveling with family, driving and parking are faced with a complicated environment. It can be said that the probability of a car being scratched is too great, so there are many people who have taken out scratch insurance in recent years. So some people are considering whether it is necessary to buy scratch insurance when buying a car in China. 1. Do I need to buy scratch insurance when I buy a car in China? 1. First of all, buy scratch insurance for new cars, because most vehicles are parked in the open air or underground parking spaces, and the body is easily scratched by others or other cars. Scratch insurance can generally protect the car itself from paint damage caused by sharp objects, such as knives, stones, keys, etc. However, it should be reminded that the losses caused by collision between vehicles and fixed objects are not covered by scratch insurance and belong to car damage insurance. Secondly, the premium of scratch insurance is not expensive. It should be noted that when the vehicle is in danger, it can't go out to scrape, which will affect the insurance benefits in the second year. It is inevitable that there will be scratches when driving. If it's a small problem, you don't have to go out of danger. After a few scratches, you can choose to paint yourself, which will be much cheaper than the price of 4S shop. Therefore, we should consider it according to our actual situation! 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. But above, I carefully introduced the specific value of scratch insurance, and it is up to you whether to buy scratch insurance in the end. Moreover, scratch insurance itself is not compulsory by the state, and many car owners have not bought any other auto insurance except compulsory insurance.