Does Car Insurance Cover Scratches and Dents? Learn More Here!

Scratches and dents are unfortunate for car owners, whether caused by minor accidents, shopping carts, or even acts of vandalism. But does car insurance cover these types of damages? The answer depends on your policy and how the damage occurred.

Comprehensive and Collision Coverage

If you have comprehensive or collision coverage, your insurance may cover the repair costs for scratches and dents. Collision coverage applies when the damage is caused by an accident with another vehicle or an object, such as a fence or pole. Comprehensive coverage protects against non-collision incidents like vandalism, falling objects, or weather-related damage.

When Insurance Won’t Cover Scratches and Dents

If you only have liability insurance, which is required in most states, your policy won’t cover damage to your vehicle—only damages you cause to others. Additionally, if the scratches and dents are due to normal wear and tear or negligence (such as failing to maintain your car), your insurance won’t cover them.

Deductibles and Repair Costs

Even if your policy covers the damage, you must consider your deductible—the amount you pay out of pocket before Oregon insurance kicks in. If the cost of repairing a scratch or dent is lower than or close to your deductible, filing a claim may not be worthwhile.

Should You File a Claim?

Filing a claim for minor damage could increase your premiums. If the repair cost is manageable, you might be better off paying out of pocket. However, for significant damage, insurance can help offset expenses.

Review your policy and contact your Oregon insurer for specific details to determine if your scratches and dents are covered.

Get A Car Insurance Quote Here 

For an affordable car insurance quote contact the Howard Steele Agency today by calling us at (541) 318-8835 or click here to connect with us online. You will be glad that you did!