What should I do if my car is scratched? Popular topics and solutions on the Internet in the past 10 days
Recently, "What to do if your car is scratched" has become a hot topic among car owners. Whether it's a scratch while parking or a minor accident while driving, this type of situation can cause headaches. This article will provide you with structured solutions based on popular discussions across the Internet in the past 10 days.
1. Statistics of relevant hot spots on the entire network in the past 10 days
| topic | amount of discussion | main focus |
|---|---|---|
| The parking lot was scratched and the person responsible could not be found. | 128,000 | Monitoring retrieval/insurance claims |
| Slightly scratched the process | 93,000 | Compensation amount negotiation/agreement |
| New energy vehicle maintenance costs | 76,000 | Battery pack protection/4S store quotation |
| Driving recorder evidence collection techniques | 152,000 | Video saving/timestamp calibration |
| Quick claims settlement by insurance companies | 114,000 | Online reporting/no on-site inspection |
2. Detailed explanation of the six processing steps
1. On-site processing
• Immediately turn on the double flashing lights and place a warning triangle
• Take panoramic photos (including license plates and road signs)
• Record the other driver’s information and contact information
2. Responsibility identification
| situation | Division of responsibilities |
|---|---|
| The parking lot was wiped while still | The party responsible for the accident is fully responsible |
| Lane change and collision | The party who changed lanes is responsible |
| Both parties are traveling in the same direction | The vehicle behind did not maintain a safe distance |
3. Claims options
•Quick claims settlement: Applicable to losses below 2,000 yuan, provided both parties have no dispute over liability
•Insurance report: Valid within 72 hours, a traffic police responsibility certificate is required
•Repair by yourself: It is recommended to obtain quotations from more than 3 repair shops.
4. Comparison of maintenance solutions
| degree of damage | Maintenance method | reference price |
|---|---|---|
| Paint scratches | Partial touch up paint | 300-800 yuan |
| Sheet metal dent | Non-destructive repair | 500-1500 yuan |
| Parts replacement | Original accessories | Starting from 2,000 yuan |
5. Dispute resolution channels
• Mediation through traffic police (within 3 working days)
• Apply for subrogation from the insurance company
• File a small claims lawsuit in court (less than 5,000 yuan)
6. Precautions
• Install 24-hour parking monitoring (power consumption <0.5A)
• Purchase scratch insurance (recommended for new cars)
• Standing ready rapid processing agreement (template can be downloaded from the official website of the Traffic Management Bureau)
3. Latest policy changes (updated in 2024)
1. Promote in multiple places"Proof-free" quick claims settlement: If the loss is less than 10,000 yuan, no repair invoice will be provided.
2. Exclusive terms for new energy vehicles: damage to the three electrical systems must be determined separately
3. New traffic management 12123 APPOnline liability identificationFunction
4. Hot topics of discussion among netizens
• Insufficient community monitoring coverage becomes a difficulty in safeguarding rights
• The "sky-high repaint fees" of luxury cars have caused controversy (in one case, the price for repainting a single door was RMB 12,000)
• The division of responsibilities for collisions in chauffeur services is blurred
• Lack of standards for determining liability for accidents in autonomous driving mode
It is recommended that car owners regularly check the coverage of their car insurance, keep maintenance records, and when encountering disputes, they can complain and safeguard their rights through the 12378 China Banking and Insurance Regulatory Commission hotline. Remember: it’s always more important to keep evidence at the scene than to argue afterward!
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