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How to apply for insurance when the car was scratched and the perpetrator ran away?
If the car is found scratched, but the car that caused the accident can't be found, the car mainly calls the police at the first time, and the traffic police should find the responsible person. At the same time, the scene of the accident should be photographed in all directions, including the location of the accident, the whole picture of the vehicle with clear license plates, and the specific damaged parts.

If the traffic police find the responsible person, it is very simple, and the other party compensates; If the traffic police can't find the responsible person, the traffic police should issue an "accident responsibility confirmation form" to explain that the responsible party escaped, and the owner can claim compensation from his insurance company. However, according to the car damage insurance clause, the insurance claim for the escape of the other party when the car is scratched is paid according to 70% of the car damage loss, and the remaining 30% is borne by the owner himself.

It should be reminded that when claiming compensation from your own insurance company, if the accident only causes paint damage and the body is not damaged, the insurance company will not compensate unless the vehicle is insured with scratch insurance. In addition, if the vehicle has not purchased car damage insurance, excluding deductible insurance, the vehicle mainly compares maintenance costs and deductibles.

legal ground

Road Traffic Safety Law of the People's Republic of China

Article 98 If the owner or manager of a motor vehicle fails to take out compulsory motor vehicle third-party liability insurance in accordance with the provisions of the state, the traffic control department of the public security organ shall detain the vehicle until it is insured in accordance with the provisions, and impose a fine of twice the insurance premium payable according to the minimum liability limit.

All fines paid in accordance with the preceding paragraph shall be included in the social assistance fund for road traffic accidents. Specific measures shall be formulated by the State Council.

Ninety-ninth one of the following acts, the traffic administrative department of the public security organ shall impose a fine of two hundred yuan and two thousand yuan:

(a) driving a motor vehicle without obtaining a motor vehicle driving license, and the motor vehicle driving license is revoked or temporarily detained;

(two) the motor vehicle is driven by a person who has not obtained a motor vehicle driver's license or whose motor vehicle driver's license has been revoked or withheld;

(3) causing escape after a traffic accident, which does not constitute a crime;

(four) the speed of motor vehicles exceeds fifty percent;

(5) Forcing a motor vehicle driver to drive a motor vehicle in violation of the laws and regulations on road traffic safety and the requirements for safe driving of motor vehicles, thus causing a traffic accident, which does not constitute a crime;

(six) in violation of traffic control regulations, forced passage, do not listen to dissuasion;

(7) intentionally damaging, moving or altering traffic facilities, causing harmful consequences, which does not constitute a crime;

(eight) illegal interception and detention of motor vehicles, do not listen to dissuasion, resulting in serious traffic jams or large property losses.

The motor vehicle driver's license may also be revoked if the actor is under any of the circumstances mentioned in Items (2) and (4) of the preceding paragraph; In case of any of the first, third, fifth to eighth cases, the person may be detained for not more than fifteen days.