How do I make an car insurance claim for scratches through car owners?

June 17, 2017 · Posted in FAQ 
car insurance
Patti asked:

I bought a used car a few months ago that had a near flawless finish. Over the past few months it’s been scratched several times by my nephew on his bike. We’ve talked and now I need to file a claim with my insurance. The marks are everywhere, back of the trunk, right rear quarter panel, hood, left rear quarter panel.

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2 Responses to “How do I make an car insurance claim for scratches through car owners?”

  1. bob and dolly k on August 9th, 2009 12:13 am

    if your nephew’s parents won’t pay to have the car re painted, call your
    ins. co. and tell them your car was vandalized, you don’t have to say by who. they will take your claim and you will have to pay whatever your
    deductible is. how did the hood get scratched? did he throw the bike up on the hood?

  2. mbrcatz on August 11th, 2009 4:32 pm

    Every time the nephew hits it with his bike, that’s a seperate collision claim. That’s a seperate deductible. And, if you try filing this, your insruance company – if they pay – will go after your nephew, or his parent, for reimbursement.

    Try parking the car in a garage, or where kids can’t hit it with their bikes. Because this is just normal wear and tear – and likely, all these seperate claims will be WAY under your collision deductible.

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