Are Car Scratches Covered By Insurance? Everything You Need To Know

Jul 05, 2023

Auto Insurance

Are Car Scratches Covered By Insurance? Everything You Need To Know

Auto insurance covers you in the event of injuries to your loved ones and damage or loss to your car that otherwise you may have to pay from your pocket. While buying your car insurance, you must know its coverage for different damages. Dents and scratches can be covered by auto insurance, but it depends on several factors. This blog provides the relevant information for the frequently-asked question,” Does car insurance cover dents and scratches”?

Car Insurance Policies That Cover Scratches and Dents

Not all auto insurance policies cover scratches and dents to your car. For example, your liability insurance won’t cover damage to your car. Here are the types of policies that can cover dents, door dings, and scratches to your car:

  • Comprehensive coverage: A comprehensive policy can pay to fix dents after a tree branch falls on your car while parked.
  • Collision coverage: This policy covers your car for damage after crashing into another car or an object, regardless of whether you're at fault. Such damage can include scratches and dents on your vehicle’s body.
  • Uninsured/underinsured: When another driver is liable for the scratches to your car, their auto liability insurance should usually cover the damage. What if the motorist drove off, isn’t insured, or doesn’t have sufficient liability coverage? Uninsured/underinsured add-on coverage can pay to fix the scratches instead.

You can obtain comprehensive and collision coverage as a single package. However, these optional policies may also be available as two separate products. Both cover damage to the car itself.

Is Filing a Car Insurance for Dings and Dents Worth It?

Dings and dents mar your car’s appearance, and you may want to get them repaired at the earliest. However, you should consider the following factors to decide whether filing a claim to cover the repair costs is worth it:

  • Estimated repair costs
  • Claim history

Related Article: Common Scenarios When You Should Avoid Filing an Auto Insurance Claim

When to File an Auto Insurance Claim for Scratches?

Sometimes, it is better to pay out of pocket to repair scratches than to file a claim, including when you have comprehensive and collision coverage. Keep in mind that you’ll usually have to pay a deductible before your coverage can kick in. If the cost of your deducible is higher than the cost of repairing the scratches, it may be cheaper to just pay for the repair yourself and avoid filing a claim.

You’ll also want to avoid increasing your auto insurance costs. When you file a claim for an accident you caused, your premiums might increase. For example, denting your car after backing into a telephone pole is an at-fault incident that could impact your rates. Consider paying out of pocket if there’s only a small difference between the repair costs and your deductible.

If the accident involves another driver or person, you should file an auto insurance claim. The other motorist’s insurance should pay for the scratch damage if they’re liable. If you don’t notify your insurance about the crash, the insurer might deny you coverage in case the other motorist or individual later files a claim against you for this particular damage.

Filing a Car Insurance Claim: Deductible Vs. Repair Cost

To better understand when to file a claim, a comparison between the deductible and the repair cost is essential. For example, if your deductible is $500, you may file a claim for $800 and above repair costs. Similarly, for a deductible fixed at $ 1,000, filing a claim for $800 worth of repair costs is not recommended. The amount should preferably be over $2,500.

Average Car Repair Size by Dent Size

Car repair costs depend on the dent size. On average, while a 1-inch dent may cost you between $ 60- $ 110, you may have to pay $ 180-$ 360 for a 3.5-inch dent.

Average Annual Car Insurance Rates by Coverage Type

While estimated costs for car scratches and dents may range from $ 50 -$ 500, your comprehensive auto insurance may cost you between $ 300 to $ 500 annually.

Will Your Policy Cover Scratches to Someone Else’s Car?

A liability insurance policy aims to protect against claims for property damage and bodily injury caused to third parties. Your liability coverage can typically pay for the resulting damage in an auto accident where you are at fault and cause scratches to another vehicle.

Furthermore, if you happen to be driving someone else's car and it sustains scratches, you can still utilize your liability insurance to cover the damages. It is worth noting that the owner of the scratched vehicle also has the option to file a claim with their own insurance company to address the scratch damage.

Regarding scratches on your car, having collision and comprehensive coverage under your auto insurance policy can provide the necessary coverage. Additionally, an uninsured/underinsured policy can be beneficial when the at-fault driver lacks sufficient liability coverage to address the scratch damage.

What Should I Do If Someone Scratched My Car?

If someone causes scratches to your car, you may cover the costs from:

  • At-fault driver’s liability coverage
  • Your underinsured/uninsured motorist coverage

How Can You Avoid Getting Dents in Your Car?

  • Follow safe driving practices
  • Cover when parked
  • Prefer indoor parking
  • Avoid driving in inclement weather

Also Read: Does My Car Insurance Cover Cosmetic Damage?

Secure Your Car with John E. Peakes Insurance

For detailed information on our auto insurance coverages, we encourage you to contact us today. At John E. Peakes Insurance Agency Inc., our experienced team is ready to assist you in finding the right policy tailored to your specific needs while ensuring the best rates available. Contact us now to get started on securing your ideal car insurance coverage. You can also call us at 1-800-800-5199.