The car was scraped in the community. Is the insurance company responsible?

Legal analysis: if the car is scratched when parked in the community, the insurance company will pay, but the amount of compensation depends on the specific situation, and whether the car insurance bought by the owner includes scratch insurance or car damage insurance. Scraping cars in the community is actually an accident of both sides. You should call the police and apply for insurance at the same time. If you don't call the police, you should inform the property. Don't move the car at will. The owner should also take photos of the scene of the accident in all directions, including the location of the accident, the whole picture of the vehicle and the damaged parts. On the other hand, you can monitor the property and find out who is scratching. If the scraper escapes, the traffic police will find the responsible person, and if the traffic police find the responsible person, the other party will compensate; If the traffic police can't find the responsible person, the traffic police will issue an "accident responsibility certificate" indicating that the responsible party escaped, and then the owner can apply for compensation from his insurance company.

Legal basis: Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents

Article 21 If a road traffic accident happens to an insured motor vehicle, resulting in personal injury or property loss to the victims other than those on board and the insured, the insurance company shall compensate the insured within the limits of compulsory motor vehicle traffic accident liability insurance according to law. The loss caused by the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate.

Article 29 An insurance company shall, within 5 days from the date of receiving the certificates and materials provided by the insured, verify whether it belongs to the insurance liability, and notify the insured of the result; If it does not belong to the insurance liability, it shall explain the reasons in writing; For the insured, the insurance premium shall be compensated within 10 days after reaching an agreement with the insured.