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In What Cases Will My Car Insurance Cover Scratches?

car insurance pay for scratches

Even though you do your best to maintain your car, the occasional scratches are difficult to avoid. It’s essential to know how your car insurance can help in such situations. Here’s a quick guide that helps you understand the scratches that are covered by your auto insurance.

Know Your Car Insurance Policy

There are several types of policies available, so you need to understand if your car insurance pays for scratches. For example, comprehensive coverage does not cover scratches caused by accidents and collisions, but it covers the costs if your car is damaged resulting from vandalism or a tree branch falling on your car.

Liability coverage can protect you if you have caused an accident. Collision coverage covers scratches caused by accidents and collisions. However, if you have bare minimum liability insurance, these damages may not be covered. The type of insurance determines whether your car insurance pays for scratches.

Make an Informed Decision 

In some instances, your insurance carrier may require you to pay a deductible before covering a scratch. If the cost of repairing your car is cheaper than paying the deductible, you do not need to file a claim. You can just get it repaired.

Also, filing multiple claims to repair small scratches can result in higher premiums in the long term. Consider the cost of repair before filing a claim and file claims only for maximum damages.

When You Don’t Know the Cause

Sometimes, you may have no idea how your car got scratched. In such circumstances, you can still file a claim and discuss the situation with your insurance company’s adjuster. They might have seen several similar cases, so they can guess the reason for your scratch and help you know whether you can file a claim.

Your car insurance will pay for scratches in these cases. For further guidance on buying the right auto insurance, contact the experts at Mike Leonard Insurance Agency in Texas. We are eager to assist you with all your insurance needs.

At Mike Leonard Insurance Agency, our goal is to serve our clients with comprehensive personal insurance solutions at affordable prices. Because we are an independent agency, we are able to prioritize our clients' needs without having to worry about confounding factors such as commissions or overhead costs.