Scratches of any form impact the look of your car. However, only certain types of scratches can be covered under policies. Here's a brief look at the types of coverage options that'll cover the payment for car scratches.
Collision Coverage
If you collide with another vehicle or another inanimate object (like a fire hydrant or your garage door) and get a scratch, the collision coverage of your policy should pay for the scratches. You can also use this coverage if your car is swiped in a car wash or by trees. If you lease a vehicle, collision coverage is mandatory.
Comprehensive Coverage
Outside accidents and collisions, if you get scratches from intentional damage like vandalism or a disaster like a storm or fire, comprehensive coverage pays for the scratches. Note that in case of theft or vandalism, you will also need a police report to file your claim.
Unknown Scratches
Even if you don't know what caused the scratch, you can file a claim if you want to. The insurer can arrange for an adjuster to inspect the scratch and confirm its type. The adjuster's duty is to make sure your claim is genuine, so they are likely to ask you questions about the incident.
Should You Use Your Car Insurance to Pay for Scratches?
If the insurance policy deductible is higher than the cost of repairing the scratch, you should pay for the damages yourself. Moreover, repeatedly filing claims even for minor reasons like this can increase your insurance rates. It's best to get an estimate of the repair work from a body shop before approaching your insurance agent.
Now that you know how car insurance payment for scratches works, choose a policy wisely. If you're looking for
auto insurance at the best rates, contact the experts at
Club Agency Insurance Brokerage in Garden City, New York, today. We are ready to assist you with all your coverage needs.
