Having car insurance (click here) coverage comes in handy when you have a case of scratches, door dings, and dents. You can save a lot if you find an auto body repair shop that can work with your insurance company to cover your scratches and dents. However, have you taken out the right car insurance to protect your case from scratches, door dings, and dents? The question now becomes, how much does my car insurance cover? We will share in this article which your specific insurance policy can cover specific damage.
What Types of Car Insurance Coverage Cover Which Damage Type? Once you take out your car insurance, it is helpful to consider adding collision or comprehensive insurance coverage into your policy. These cover most types of dents, door dings, and scratches. Auto-collision coverage: These types of car insurance cover damage caused by collisions with another car or object. The type of collision may be a single-car accident. You ran your car into a guardrail, hit a mailbox, hit a curb, or damage caused by another vehicle, such as hitting your car head-on or someone backing up your car while parked. Auto-comprehensive coverage: Some comprehensive insurance car coverage may include a deductible once you file a claim. These types of car insurance cover include damage outside of your control and are not caused by a collision with another object or vehicle (depending on the insurance company in the case of parked cars). For example, these events include acts of vandalism, hitting a wild animal or a pet, a rock hitting your door, or a tree branch falling on your vehicle. Which Scratches and Dents Does Car Insurance Won’t Cover? There are certain situations when car insurance won’t cover the cosmetic damage. These include: When It Took You Too Long To File A Claim: Many insurance companies set a time frame that you need to meet before filing a claim. For instance, your insurance won’t cover collision damage a year ago. General Wear and Tear: Car insurance cover only the damage caused by sudden and unexpected events such as accidents. Insurance companies won’t cover general wear such as dents, door dings, scratches, or overall paint damage that you accumulate over time. When is it Worth Filing an Insurance Claim for a Dent or Scratch? If the damage to your car is minor, and costs much less than your deductible, it is advisable to pay for the damage out of your pocket. However, if the damage is more extensive and costs much higher than your deductible, for instance, if your deductible is $200, but the damage is worth $2,000, it makes more sense to file a claim. What if I Damage Someone Else’s Car If you accidentally damage someone else’s car, your insurance policy includes liability damage. The coverage depends on the limit of your policy. However, if you intentionally damage another car, you will have to pay for the damage yourself. What if Someone Else Damages My Car If someone else caused car dings, dents, or any collision damage, their car insurance would cover the cost of repair for your vehicle. Takeaways: Add Comprehensive Coverage for Your Car If Possible You can encounter careless individuals in the parking lot who may cause damage to your vehicle while you are away. However carefully you use your car, the possibility of damage isn’t far from happening. Moreover, depending on where you live, other unforeseen factors may damage your vehicle that other people don’t necessarily cause. Hence, giving as much insurance coverage for your car makes more sense. It is also advisable to scan your locale for an auto body repair shop that will work with your insurance company to help bring down your repair cost. Moreover, if they have paintless dent repair, you can have certain dent types repaired for a lower cost.
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