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Car Scratches and Car Insurance

My Car was Scratched, What Now?

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Car scratches are not all handled the same when it comes to car insurance. A lot of variables come into play when it comes to a scratch in your car paint. Get an idea of what kind of car insurance claim you may be looking at if you have a scratch in your vehicle.

How did your vehicle get scratched?

What actually caused the scratches makes a huge difference when it comes to your car insurance carrier. Scratches caused by different factors are covered by different coverage. Knowing what caused the damage is the first step in getting an insurance claim filed.

Comprehensive Scratches

If you have a scratch caused by a comprehensive coverage factor, you will need comprehensive listed on the damaged vehicle. Most likely you have a deductible on comprehensive and the deductible will be charged in order to get your vehicle repaired. A vandalized car insurance claim usually requires a police report.

Example: John's truck was horribly scratched all along the driver's side of the vehicle. It was clear it had been intentionally scratched based on the irregular markings and the severity of the scratches. John files a police report. He then files a claim with his insurance carrier because he had comprehensive coverage listed on his truck. His deductible is $100. John is responsible for paying his $100 deductible and his car insurance policy will cover the remaining damage.

Collision Scratches

  • Barely scraping by an inanimate object such as a mailbox or pole
  • Car door hitting your car in a parking lot
  • Side swiping another vehicle
  • Scratched in car wash
  • Scraping tree branches while driving

Collision coverage is required for a scratch when the scratch occurs from hitting another object. It is easy to misjudge the distance from an inanimate object when you are in a tight squeeze situation. Sometimes a scratch is just unavoidable. A collision related scratch is going to come with a deductible unless someone other than the person driving your vehicle caused the damage.

Example: Driving down the highway a vehicle merges into John's lane and side swipes the passenger side of his vehicle. John is able to maintain control of his vehicle and they both pull over into the nearest gas station. John gets the insurance information of the at fault driver and is able to file a claim against the at-fault driver's insurance policy. -Michigan drivers have a different set of rules.-

What if I Don't Know How My Car Got Scratched?

Not knowing how your vehicle was scratched could be a problem. You can still file the claim and discuss the situation with the claim adjuster. Claim adjusters see so much damage they may be able to get a good idea of what caused the damage just by looking at the scratches. If the scratch is severe it is often caused by a collision. It is going to be up to the claim adjuster how to proceed.

Scratches can range in severity and cost to repair. It is not a bad idea to get an estimate from a body shop to determine how much it will cost to repair. Keep your deductible in mind when deciding whether the scratch warrants a car insurance claim. Sometimes you are better off repairing the damage and not filing a claim at all. It is a personal choice, however it is advised you seek the help of a licensed insurance agent. He or she will be able to guide you as to whether you are looking at a worth while claim or not for your given situation.

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