When a new car is accidentally scratched, why would the car owner prefer to repair it himself rather than seek insurance?

When driving on the road, no matter how careful you are, you may get scratched. If you are scratched by someone, whether it is private or public, it will be paid for by others. But once the scratch occurs accidentally, car owners will worry about whether they should take insurance or repair it themselves?

Under normal circumstances, it should be the most cost-effective to take insurance, after all, they bought the insurance themselves. However, for car owners who are well aware of the depth of insurance coverage, not all situations are suitable for insurance. The specific cost of maintenance depends on the cost. After all, after the accident, the rates in the second year will rise straight away.

Generally speaking, car owners will first ask the repair shop to quote a price, and then compare it with the insurance premium. If the cost of the increase exceeds the cost of repairing it themselves, then they should repair it themselves. If it is too serious and the cost of repairing the car by yourself far exceeds the increase in insurance premiums, then call insurance decisively.

Generally speaking, if the repair fee is only a few hundred yuan, it is better to repair it yourself. If the amount is larger, it is recommended to use insurance.

Many netizens expressed this: "It is meaningless to buy insurance now, unless there is a big accident." "Insurance is a joke!" "I don't even repair small scratches, I just buy a touch-up pen. "To make up for it" "The reason for buying insurance is that if a major accident occurs, a family will not have to settle the claim. It just buys peace of mind." "It costs 200 yuan to repair it yourself. The insurance will come and the price will increase by 600 yuan next year. The current car insurance is only for major accidents, not small ones." I endured the accident myself and lost its effect."

So, what do you think about this matter?