If your car gets scratched or you are the reason for causing scratches on another vehicle, then you don’t need to worry because your auto insurance policy covers scratch repairs.
However, this depends on several factors.
Your insurance company will check if the reason for the scratch is covered in your policy or not. Your deductible will also play a major role in determining if you should file a claim for scratch repair or not.
Car Insurance coverages that cover scratches
Here are the types of coverages that cover dents and scratches to your car.
Comprehensive coverage - This coverage pays for the dents caused by a falling tree branch on your car while it was parked.
Collision coverage - This coverage covers the scratches and dents that appear on your car due to a collision irrespective of who was at fault.
Uninsured and underinsured coverage - When another driver causes scratches on your car and he is uninsured or underinsured, then this coverage will cover the cost of your car’s scratch repairs.
When to file a claim for scratch repairs
Sometimes, it’s in your best interests to avoid filing a claim for scratch repairs. You usually have to pay a deductible before your policy comes into play. So if you have set a higher deductible compared to the cost of scratch repairs, it may be good to drop the idea of filing a claim.
You should also avoid filing a claim if the scratch repairing cost is only a little above your deductible. When you file a claim, your auto insurance premiums go up. So it’s better to pay out of your pocket if the difference between your deductible and the cost of scratch repairs is minimal.
To learn more about auto insurance policies, contact the experts at John E. Peakes Insurance Agency. We can help you select the right type and amount of coverage to have comprehensive insurance protection.
