Does Car Insurance Cover Scratches and Dents? Everything You Need To Know

By Randy Luton | Last Updated: 02/01/2023

There are six million car accidents in the US each year and the number of minor accidents is much higher. Regardless of how vigilant you are, little mishaps still occur. You should get this mended to prevent future damage, whether a shopping cart ran into your car in the supermarket parking lot or you scratched the automobile unintentionally.

Does car insurance cover dents and scratches, you might wonder? The solution is more complicated than you may imagine. It depends on your cause and your auto insurance.

No matter what kind of damage was done, it can take hundreds of dollars to repair it, and you might not have the money to do it right soon. Everything you need to know about acquiring coverage for dents and scratches, as well as how to compare auto insurance, is included in this article.

Which types of scratches and dents are covered by car insurance?

  • The windshield gets a chip: One of the most typical sorts of damage to an automobile is a rock chips. Most windshields eventually get struck by a pebble or stone, which might result in a minor chip or crack. Even a little obstruction can be problematic if it blocks the driver’s line of sight and intensifies glare on the glass.
  • Small cracks are simple to fix: The first thing to do if you are distant from a city is to cover the crack with some clear plastic tape to keep out debris like bird droppings, dirt, and dust that will later hinder the repair. then give the crack immediate attention.
  • Large scratch on the car’s body: For a vehicle enthusiast like us, automobile scratches are really aggravating. It looks incredibly drab in our automobile, and no one who loves their car can stand it. Before we talk about how to cure it, we must fully comprehend the many kinds of scratches that might occur on our car.
  • Dent on the car: A vehicle’s beauty may be ruined by minor dents and dings. It’s critical to remove dents as soon as possible to help preserve the car’s overall worth, whether they were brought on by a shopping cart, another car’s door, or a baseball thrown by a nearby child. There are various techniques to repair a tiny dent in an automobile, provided there is no substantial paint damage.
  • Your vehicle is keyed: Some individuals can feel envious or vent their rage towards your automobile. If your insurance coverage includes this protection for acts of vandalism, you may file a claim. You could think about does car insurance cover paint damage, if the metallic paint will cost you a lot of money to repair.

When is car insurance not applicable to dents and scratches?

  • If neither collision nor comprehensive insurance is present: You do not have coverage for automobile damage if you simply have the minimum liability insurance required by your state. In an accident you cause, liability pays for the other driver’s medical expenses as well as any damage to their automobile.
  • If the damage is the result of regular wear and tear: Regardless of how carefully you drive, your automobile is going to have the occasional ding as it ages. Typically, your policy won’t provide coverage for these.
  • If your carelessness resulted in the scratch or dent: Your insurance is likely to deny any claims you make for damage that happens if, for instance, you become irate after discovering a ticket on your window and kick your car, causing a dent.
  • If you breached your policy: For instance, if you drove into Mexico for a weekend trip and the damage occurred there, you would be responsible for paying for repairs unless you bought Mexico-specific insurance because Mexico does not accept U.S. policies.

Can I claim insurance for car scratches?

It varies. Only dents and scrapes brought on by other drivers are covered by auto insurance. Comprehensive coverage, however, can pay for dings and scrapes that don’t result from an accident.

Someone who damages your automobile may be able to recover costs via their liability auto insurance. If you have collision auto insurance, you can use it to cover the costs of the repairs.

Car insurance with comprehensive coverage covers losses that don’t result from collisions. Therefore, your comprehensive coverage will pay for any damage caused by a storm or a falling object.

Deductibles apply to collision and comprehensive insurance. You must pay your deductible, which is often $500, before the auto insurance provider would cover any losses.

Is it worth filing a car insurance claim for dent or scratch?

Always consider whether the damage warrants making a claim or whether it would be wiser to postpone action until after another claim-free year. Many small auto-related problems like scratches, door and bumper dents, and other damage brought on by unavoidable natural catastrophes or minor auto accidents can be remedied affordably.

A little polish can completely conceal a flaw if it just affects the clear layer on the surface. Painting, on the other hand, is the only technique to conceal a deep scrape. Of course, you may practice your painting techniques with the closest complementary nail polish you have at home, or it would be wiser to take it to the closest garage.

When should I make a car insurance claim for scratches and dents?

Unfortunately, there isn’t a specific formula that tells you whether or not you should file a car insurance claim. What motivated you to get auto insurance coverage before filing a claim? Make a claim if you assumed it was for dent repair. You should rethink your choice if you purchased the plan in order to be protected against the prohibitive, crushing expenses of accidents and other bad occurrences.

How to claim car insurance for scratches and dents?

  • File a vehicle dent insurance claim: The first thing you should do once your automobile has a dent is notified your insurance company and file a claim. To get the greatest benefits, it must be done as soon as possible.
  • Obtain the claim registration number: You must use this claim registration number in all subsequent communications with the insurer regarding the handling and processing of your car-dent insurance claim. It serves as a special identity for tracking till a claim is settled.
  • Surveyor visit: Avoid touching the car or rearranging the parts until the insurer’s examination is finished. To advance with the claim, the surveyor will document the crucial information by capturing images and videos. To help the surveyor understand, you might describe the accident’s cause and how it got to be a dent.
  • Garage appointment: The insurance will suggest you to take your car to the garage after studying the surveyor’s report. You can select one of them or a different shop with your vehicle damage repair insurance.
  • Get the claim resolved: Once the repair work has been completed, the insurer will settle the claim after verifying the documentation and carefully inspecting the dent repair. They may do this by paying the garage directly or by reimbursing for work done elsewhere.
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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

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Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.