June 20, 2024

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Scratches after washing: Does your car insurance cover repair costs?  |  My guide

Scratches after washing: Does your car insurance cover repair costs? | My guide

independentMuddy fall weather leaves its mark on your car. So it’s time to go to the car wash more frequently, so you can brave the gray weather together. But what if your car’s paint is damaged during washing due to your negligence or an error in the car wash? independentbender.b Provides tips.

What if you cause yourself scratches while washing?

Only if you have one All inclusive You are insured against damage caused to your car. In this case, you can report the damage to your insurance company.

But: Take into account your insurance amount and the deductible that increases with each claim. If you have a claim, you will fall a few steps down the ladder of additional rewards for claim-free years. So you pay a higher premium for a number of years.

Benefit from it: Five things many of us don’t know about claim-free years.

Especially if there are only a few scratches, it is wise to not only report the damage to your insurance company, but pay for the repair yourself. Or you can try to hide the damage yourself. A paint pen to remove a surface scratch costs less than 20 euros. Make sure you know the exact color of your car. This is stated in the chassis number. You can then use the color code to order the correct paint pen online or from your dealer.

Do you only have one? Insurance Bachelor’s degreeYou will have to pay the costs of repairing your car yourself. After all, civil liability insurance only compensates for the damage you cause to the other party if you cause an accident. Also Mini inclusive It does not cover damages to you or damage caused by vandalism.

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Is comprehensive comprehensive insurance interesting to you? Read more about the unique coverage of this formula here.

What if you have scratches after visiting the car wash?

Don’t be fooled. Even if there is a sign saying “We are not responsible for accidents” when you enter the car wash: it is the car wash operator who must ensure that your car leaves the car wash without damage.

That’s why it’s important to take a good look at your car after every wash. If one of the brushes scratches the car, the operator is responsible and you must complete a collision form with them. You then report the accident to your insurance company.

Scratches in the paint reduce the value of your car: But these factors also affect your car’s resale value.

Please note: Follow the instructions

If your car is damaged because you did not follow the car wash operator’s instructions, you are responsible. For example, if you do not put your vehicle’s gear into neutral when instructed to do so, you will be responsible for any damage to yourself.

The same applies if you hit a pole and have a large hole in your body structure. In this case, the same rules as above apply: only with full comprehensive insurance are you insured against damages incurred.

advice: Checking your car insurance regularly is an excellent idea: this way you always get the coverage that suits you. Independer.be helps you compare using the box below.

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Read more on Independent.be:

Your car is no longer new: After all these years, it’s best to recheck your (comprehensive) insurance.

Is it true that you pay a lower premium if you increase your deductible? Does everyone benefit from this?

Asterisk on your windshield: When will your car insurance pay for the repair?

This article was brought to you by our partner Independer.be.
Independer.be is an independent insurance broker that helps you compare and obtain insurance.