I just found out that somebody scratched my car while parked. On the rear fender, some yellowish paint, 5-6 lines and small bump. It's a plastic metallic fender, the scratches are not very deep, but deep enough not to be able to polish it.

Good thing is, I have full casco. I chose the insurance 3 weeks ago with my insurer and from memory in case like this I don't have to pay anything. I haven't received the bill for the insurance yet.

What shall I do now, take photos of the scratches? It was parked on a paying parking on the street, shall I call the police? I don't really think they can be involved, I don't know who scratched it. Or just to call my insurer and see what can be done?

Any experience to share? Thanks

I believe
- the liability insurance covers the damage you give to other cars
- the kasko covers the damage you give to your car
- 'Parkschaden' option will cover parking damages, as in your situation. I think a lot of people tried to abuse this in the past, so, I'd suggest you take pictures and call the insurance number about how to proceed, in case they require a police to be present.

Well, if they don't believe that someone else did it while parked, this will be covered by kasko, but then again, if you don't have Bonusschutz, this will raise your premiums.

If you have the "Parkschaden" option on your insurance, you will not need to pay a penny.

From the moment the form is signed, you are insured. Even if you havnt received a bill!

Call your insurance claims department, if the damage is minimal, they will send you a claims form and tell you to go to a garage to get it repaired on their cost. If the damage is going to cost a lot to repair, they may send someone to have a look at it. (think normally its over 3000.- when they send someone)

Its a fairly easy and pain free process

IF you have the 'accident de parc' option which covers you for damage done to your car while parked then it's very simple.You call your insurer who will then give you a claim reference number, they will then either arrange for your car to be repaired or you can take it to a garage and get the work done there but they will have to send an assessor to garage to look at the damage (the garage should arrange all that for you). The insuror is billed directly by the garage so you have no hassles. I think you are limited to 2 claims per year.

If you don't have this option it might be worth considering your options. You may have a 'franchise' to pay even with full casco and that coupled with the potential loss of no claims bonus may make it more sensible for you to pay for the repairs yourself (depending on cost of repairs).

Your best bet is to contact your insurance and see what they say. In our case at least it was not necessary to have a police report.