Does Your Car Insurance Pay for Scratches?

Your car may be a treasured commodity, so getting insurance is important to protect it from damages and accidents. However, what happens when you get scratches on your car? You need to know whether your car insurance covers scratches so that you can request a claim.

Here is what you should know about auto insurance coverage for scratches.

Should I File a Claim for Scratches?

Before getting into the details of what and how you should submit a claim, know whether you should file it or not. Your car insurance can cover scratches, but you need to pay some deductibles.

It is better to leave the scratches unclaimed if your insurance’s deductible is higher than the repair cost. Moreover, filing a claim for scratches can increase your premiums in the future.

Does My Car Insurance Cover for Scratches?

Yes, your car insurance may cover for scratches. However, the way your vehicle got the scratches plays an important role when filing an insurance claim. Insurance might cover some scratches, but not all. Depending on the type, it might be covered under collision coverage, liability coverage, comprehensive coverage, or something similar.

Is It Necessary to Know Where I Got the Scratch From?

Even if you don’t know the circumstances under which your car got scratched, you can still file a claim after discussing it with your insurer’s adjuster. It all depends on the adjuster’s assessment, or you can try to get a private evaluation.

What Type of Scratches Are Covered?

Your car insurance coverage can pay for damages resulting from a collision with an object or another car. Additional scratches that are covered include:

• A scrap by an inanimate object while driving
• Hit by car door within a parking space
• Sideswiped by another vehicle
• Scratch during car wash
• Scrap by bushes, rocks, or tree branches while driving

Get the right car insurance coverage for scratches so you can save a considerable amount on repairs. Contact the experts at Robert J. Los Insurance Agency in Hamburg, New York, for all your insurance needs. Our dedicated team is eager to assist you with all your coverage needs today.