Parking in the community is scratched. Can it be painted? Can the insurance company pay for it?

Hello, friends above, I am engaged in vehicle insurance claims. First of all, I will answer this question in several points.

1. Your car was scratched in your residential area. Is the management fee charged by the property your parking fee or the parking space in the community you bought? If the management fee charged by the property charges your parking fee, it proves that they have the obligation to take care of it. If you report the case, the insurance company will ask you to claim compensation from the property management.

2. If parking in the community is free, if it is not their obligation, it depends on how your car is damaged. If the insurance company is hit, it will escape according to three aspects: parking and being hit. According to the requirements of different insurance companies, it needs to be reported to the police station for handling, otherwise it will not be paid, and 30% deductible will be deducted. If there are no collision marks on your insurance surface, the scratches similar to key chains are called car body scratches, which belong to the additional risks of car body scratch insurance. You should check whether you have bought this insurance. If you buy it, you will pay, and according to the requirements of the insurance company, you may have to go to the police station to report the case and provide proof of the report from the public security department, but the new clause does not need to be reduced.

Go on with the questions raised by the landlord

If your car is hit, it belongs to the third party escape insurance company for subrogation, but first of all, it is necessary to find out whether your parking position is in the community and whether the property management of the community charges your parking fee. If the property management pays, the insurance company will let you find the property management compensation. Only you sued for property management failure. Or if the property management has no compensation ability, the insurance company will exercise the right of subrogation, and you can't give up the right to recover from the property management, so it is difficult for the insurance company to lose money in this case. If you want to find an insurance company to lose money, there are ways. You can park your car outside the community and report it to the insurance company. When you park your car outside the community and find that your parking has been hit, the insurance company will pay 70% and you will bear 30%. However, it depends on the claims policies of different insurance companies. Some insurance companies need to report to the police station to provide proof of the police station. Some insurance companies do not need to prove the amount below, depending on the requirements of your insurance company. Do you think my answer is satisfactory? You can keep asking questions.