What to do if you scratched the car in the yard

The content of the article

• General procedure
• Indemnification
• By CTP
• By CASCO
• What to do if you scratched someone else’s car
• They hit the car and disappeared, but they found you
• I hit the door of someone else’s car
• What to do if scratched your car
• The culprit remained at the scene of the accident
• The culprit hid
• Animals in the yard scratched the car
• Pedestrian damage
• Damage to a car by a fallen tree
• What to do if a child scratches a car in the yard

Having learned about the damage to the car, the motorist wants to receive compensation. What to do in this case depends on the cause of the damage. The most common way if a car is scratched in the yard is to reimburse the guilty or injured party through the insurer.

General procedure

1. Take a picture of damage. Find witnesses, records of the incident (for example, from surveillance cameras, registrars of neighboring cars), especially if the perpetrators scratched the car and disappeared.
2. Contact the traffic police, to draw up a protocol. If the defects are not made by the car, but, for example, by children, call the local inspector. To receive payments, it is important that the owners of vehicles have policies.
3. Visit insurers, in order to compensate for damage on the basis of the documents drawn up. If you have a car scratched in the yard and refuse to compensate for losses, solve this issue in court.

When the defects are insignificant, it is not necessary to call the representatives of the traffic police; you can draw up Europrotocol yourself. There is a chance of a personal agreement on the spot, the perpetrator pays the owner of the affected car the agreed amount. At the same time, the citizen receiving the money assumes the risks associated with the fact that the incident was not formatted accordingly.

The following options are possible:

• Subsequently, it turns out that the car suffered much more damage than it seemed at first.
• The owner of the damaged car in a hurry or intentionally was handed a smaller amount.
• The guilty driver promised to pay the damage the next day, but did not do it, in addition, he does not answer the phone.

Indemnification

Compensation is received in several ways:

• Using the motor insurance policy (CTP) by the traditional method – by calling the traffic police or a local inspector.
• Similarly, for CASCO car insurance.
• According to Europrotocol. This is a simplified form of registration of an incident when both parties have insurance, there is no disagreement on the assessment of damage or the circumstances of the damage. The incident takes place without the involvement of police officers.
• From the funds of the culprit. This option is used when the incident is recognized as an uninsured event or the driver who damaged another car does not have a policy.

By CTP

Features of compulsory insurance:

• With it, you can repair damage only to third-party vehicles. You compensate for the damage that was caused to another car, but if you scratched your car in the yard, you cannot receive OSAGO payments. When there is no CASCO insurance, the guilty person is unknown, the owner will have to repair the car on his own.
• According to the law, drivers are required to have an insurance policy, but not all comply with this requirement. If the culprit of the incident does not have a document, compensation at the expense of insurance funds cannot be paid, he will have to pay on his own. At the same time, such a driver is still waiting for a fine of 500 rubles.
• When making compensation using the insurance policy, the presence of employees of the insurance company at the place is optional. It is necessary to call the traffic police.

By CASCO

Under such a policy, it is not the driver’s liability that is insured, but the car itself, it is not necessary to register it. Features of CASCO:

• No need for insurers. At the same time, damage assessment must be carried out using the photographs presented.
• Includes insurance cases at the choice of the owner (the price depends on their quantity).
• If defects in the car were not immediately detected, sometimes refunds are not paid.

What to do if you scratched someone else’s car

1. Wait for the driver of a damaged vehicle.
2. Take photos of scratches, estimate possible damage.
3. If losses are higher than 50 thousand rubles, you need to call the traffic police, with a smaller amount, Europrotocol will be a convenient option. Sometimes car owners can independently solve the issue of on-site compensation.
4. Contact the insurance company employees no later than five days after the incident, otherwise the right to compensation will be lost.
5. Within thirty days, insurers will transfer the amount due to victims.

They hit the car and disappeared, but they found you

If a citizen left the place of an accident – a violation of the Rules of the road, which implies liability. The culprit may be deprived of their rights for a term of up to one and a half years or arrest for 15 days. His identity is established using the testimony of witnesses, recordings from video cameras.

When the perpetrator was discovered and disciplinary measures applied, he must cover the damage caused. It can be:

• Settlement with the driver, from whom he touched the car in the yard, from his own funds. Compensation using the insurance policy.

I hit the door of someone else’s car

Often, such incidents do not occur during the movement of vehicles; by law, traffic accidents are not considered. This makes it difficult to get insurance coverage..

The optimal procedure:

1. Determine the cost of damage with the owner of the damaged machine.
2. Call the local inspector and draw up a protocol, photograph the scratches.
3. Contact insurers to find out if compensation is due in this case. If the answer is yes, the company will be engaged in payments. If negative, compensate the damage to the owner of the damaged transport yourself.

What to do if scratched your car

The situation may develop in several scenarios. Regardless of the cause of the damage, it is required:

1. Take photos of scratches.
2. Determine the cause of the damage if this fact is not clearly established. For example, to interview people from the yard, to find out that the vehicle was scratched by a child’s scooter.
3. Find out the possibility of insurance compensation. Payments can be made at the expense of the perpetrator or on your CASCO policy..
4. Call the traffic police or local police officer.
5. Draw up a protocol, submit documents required for payments.

The culprit remained at the scene of the accident

When the driver who scratched the car did not leave the yard, you need to:

1. Determine the amount of damage, the method of compensation (OSAGO policy of the offender or his means).
2. Take photos of defects, scene.
3. Call the traffic police to arrange an accident or draw up Europrotocol.
4. Exchange with the culprit of the incident phones, addresses. After formalization, he will be interested in the timely transfer of documents and payment of damage.
5. Wait for reimbursement from insurers.

The culprit hid

If the person who scratched the vehicle disappeared from the scene, you need to:

1. Find witnesses to the incident, video surveillance cameras.
2. Call the precinct. If the identity of the offender, the number of the car is established, the traffic police will impose disciplinary sanctions on him for leaving the accident scene.
3. Assess the possibility of receiving payments. When nothing is known about the culprit (for example, hooligans scratched a car in the yard at night), you do not have a CASCO policy, you will not be able to receive payments. If the vehicle is insured, a certificate will be required, which will be issued by the inspector.
4. Within five days, contact the insurers, submit to them all the required documents. Compensation time – 30 days.

Animals in the yard scratched the car

In this situation, the responsibility lies with the owner of the dog or cat that damaged the car. The owner of the car is required to photograph the scratches on the body, call the district police officer, and explain to him all the circumstances. If the owner of the animal refuses to reimburse the damage, payments can be received through the court.

Pedestrian damage

What to do to the driver when the car is scratched in a collision with a person:

1. Determine the nature of injuries inflicted on the pedestrian. If necessary, call an ambulance.
2. Report traffic accident to traffic police. Traffic police will determine the degree of guilt of each participant. You can only get insurance compensation for damage to the car if the accident happened through no fault of the driver.
3. Take the necessary certificates from the traffic police, present them to insurers, along with the accident diagram and photos of the damage. The deadline for submitting documents is 5 days, 30 are allotted for payments.

Damage to a car by a fallen tree

First, you should fix the scratches on the photo, call the precinct. There are two options:

• There is a CASCO policy, which provides for payments in the fall of trees. In this case, the drawn up protocol is transferred to the insurer, and it makes compensation.
• Your car is not insured under CASCO or the contract does not contain a clause on damage from fallen trees. In this situation, you can try to get a refund from the management company, which should ennoble the yard. This will require appeal to the court..

What to do if a child scratches a car in the yard

Parents are responsible for the actions of minor children. If you identify the culprit who struck a nail on the bumper or otherwise damaged the car body, the following options are possible:

• Communicate with parents, agree on compensation without involving the police.
• Together with the district officer draw up a protocol. In addition to paying damages, parents can be held accountable for inappropriate upbringing, especially if the child’s actions were intentional (hooliganism, vandalism), and not accidental.