Topic: 要买汽车保险了，有一些问题请教大家。。。 @枫下论坛 The Rolia Forum

枫下家园 / 爱车一族 / 要买汽车保险了，有一些问题请教大家。。。 -eke(eke); 2002-2-12 {264} (#366867@0)
我想知道，如果自己把车弄伤了（不是和别人相撞）这种情况下要不要报保险公司，如果报了会不会留下纪录，或是长下一年的保费呀？如果我的车子被人划伤，砸坏等，是不是要报保险公司，如果报了会不会留下记录，或是长下一年的保费呢？你们大家都是怎样买保这些项目的保险的呢？谢谢呀！

Every claim filed is duly recorded by your insurer and is one of the factors to determin renewal premium, except knock-for-knock where you have no fault. -patpat(乃胡侃而已); 2002-2-12 {400} (#366881@0)
To cover loss or damage to your automobile against perils including malicious damage like scratching as you mentioned, you have the options as All Risks, Comprehensive, and Comprehensive plus Collision or Upset. Theroietically, you may also have Named Perils as another option. Although coverage is not so broad as all above, I don't think it's going to be a geat deal of cheaper in terms of price.