Does car insurance cover scratches and dents?

How does car insurance cover cosmetic damage?

When it comes to dents, scratches, and door dings, most car policy claims fall under collision or comprehensive coverage. These coverages can be optionally added to your policy and should be considered if you are concerned about damage to your vehicle .
Auto collision coverage protects your vehicle from damage caused by a collision with another cable car or object. Collision coverage besides includes unmarried car accidents like running into a safety rail or hitting a curb. For example, if you hit a mailbox or fence post that leaves scratches down the english of your fomite, collision coverage could cover the cost of repairs. Collision coverage includes a deductible that you ‘re responsible for if you file a claim .
Auto comprehensive coverage includes unexpected damage that is outside of your see and is n’t caused by a collision with another vehicle or object. cover events include acts of vandalism like person keying your car, hitting a deer, darling, or other hazardous animal, a tree branch falling on your vehicle, or a rock ‘n’ roll cracking your windshield. comprehensive coverage besides includes a deductible if you file a call .

Are there scratches and dents that car insurance won’t cover?

There are certain situations where cosmetic damage to your car wo n’t be covered, such as :

• General wear and tear: Car insurance is designed to deal with sudden and unexpected events. It doesn’t cover general wear and tear, which extends to dents, scratches, door dings, and overall paint damage that may occur over time.
• Time-lapse in filing a claim: Many insurers have time frames that must be met if you’re filing a claim. Your insurer may not pay for a dent or scratch that happened years ago.

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

It frequently depends on the come of damage. If the damage is child, it may make more sense to cover the cost out of pocket .
collision and comprehensive coverage both come with a deductible that typically ranges from $ 100 to $ 2,000 depending on the insurance company. If the repair costs are less than your deductible, it makes feel to pay for the damage out of pocket .
On the other handwriting, if the damage is more extensive and costly, it may make sense to file a claim for any dents or scratches that need to be repaired. For example, if your vehicle gets keyed and causes $ 3,000 worth of damage, it makes sense to file a claim if your comprehensive examination deductible is $ 500.

What happens if someone dents your car?

If person else caused cosmetic damage to your car — for case, they dented your door with their door — their car policy company may cover the cost to repair your vehicle .

What if I damage someone else’s car?

If you incidentally dent person ‘s fomite, ding their car door, or scratch another car, your car insurance policy ‘s property wrong liability coverage can cover the cost of repairs, up to your policy ‘s limit.

If you intentionally damage person ‘s car, however, you ‘ll have to pay for the damage out of air pocket as vandalism is excluded by most policy policies ‘ liability coverage. This includes keying person ‘s car and slashing their tires .

Want to add comprehensive and collision coverage to your policy?

New Progressive customers

Call 1-866-749-7436 or get a car policy quotation mark online — we ‘ll help you customize a policy that offers the correct protection .

Current Progressive customers

Log in to your policy or call us at 1-866-749-7436 and make sure your coverages are up to date and to your like .