Should I report the redrawn car to the insurance company?
It happened many times that in a parking lot in a shopping center I experienced that the car was redrawn or slightly dented. I was not quite sure if it was worth reporting this type of damage to my insurance company?
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Own contribution
I found out that the own contribution (so-called egenandel) is often the same amount as with the kasko option: 4000 kr, 6000 kr or even 8 kr. Important information, the higher the own contribution, the lower the insurance premium.
. Damage report
Reporting an exaggerated car, i.e. the so-called Parking damage (parkeringsskade) is worth it when the damage is quite expensive, e.g. 15-000 kr. Especially if I have one great insurance option, the own contribution may be lower, e.g. 2 kr. I should also remember that insurance companies often have limits on the amount up to which I do not lose discounts when reporting this type of damage. In this case, it would be worth checking because such a limit can be on average 000-20 kr.
Inspection
If I see a scratch or a dent, I should definitely write down the exact time and date of the incident. It is also especially important to take photos or make a video as evidence for insurance companies. The next step will be to report the damage on the insurer's website, where I will receive a damage number (skadenummer) and a consultant (saksbehandler) that will be assigned to the Affairs.
If I did the damage?
If, in turn, I was the perpetrator of the redrawing of the second car, it is worth leaving a piece of paper with the name, surname and telephone number behind the windshield wiper. Then the damage will be covered by my insurance.
. Before you sign, check it twice
It is particularly important to pay attention when signing the contract to carefully check whether the insurance I am considering purchasing covers any parking damage. In many companies, they are already included in the helmet or super package, or they must be purchased additionally. Living in a big city like on example Oslo , or if you have a leased car, it is worth considering this option.
Caught by the hand
Finally, I should remember that if I catch a person with the so-called * red-handed * who damages my car, we report it to the insurance company osoby by writing down the so-called *skadeskjema* and this way I do not lose the discounts or incur the costs of the previously mentioned own contribution.
