Can Dent Repair Be Covered by Insurance?

[MacAdriel]

Dent repair can be covered by insurance. However, if you want to claim insurance for car dent repair, the compensation will only be assessed based on the price of sheet metal and painting. The insurance payout for sheet metal and painting outside 4S shops is not very high. Secondary repair: This method does not use traditional sheet metal techniques. If the vehicle has dents but the paint is not damaged, there will be almost no trace after the repair, which is quite good. Sheet metal repair: When the metal sheet of a vehicle is dented, the sheet metal repair method can be used. After the repair, the vehicle needs to be repainted. The repainting area should be slightly larger; otherwise, there might be two different shades of paint, as the newly applied paint may have a slight color difference compared to the original factory paint.

[OColton]

Last time my car got a small dent, I specifically went to the insurance company to ask about it. If the dent is caused by an accident, it's generally covered if you have collision insurance. But if it's from scraping while parking or hail damage, it depends on whether you have a separate body damage coverage. A friend of mine tried to claim insurance for a small dent, but their premium increased by over 800 the next year, which ended up being more expensive than paying out of pocket. Nowadays, paintless dent repair technology is very advanced, and small dents can be fixed for just two or three hundred. I suggest getting a quote from a professional repair shop first before deciding whether to file a claim, as losing your premium discount eligibility could be even more costly.

[Janice]

I just had my car door dent repaired this month. Insurance claims depend on the situation: for accidents with a liable party like a rear-end collision, you can directly file a claim; but for minor scratches where the responsible party can't be found, you usually need to use your comprehensive insurance or scratch insurance. However, be aware that the number of claims can affect next year's premium. Last time, my colleague got 600 for a rearview mirror dent repair, but his renewal premium increased by 1000. For small dents, I recommend handling them yourself—there's a hot melt adhesive repair method that works quite well now.

[DeReese]

Last year, my car's rear door got dented by a shopping cart at the mall, and I was torn about whether to file an insurance claim. The claims consultant said I'd need to provide on-site photos, and if the person at fault couldn't be found, I'd have to cover the deductible myself. A veteran mechanic at the auto repair shop told me that dents within 5 centimeters usually don't require panel beating—professional shops can fix them with suction cup tools. Nowadays, repair prices are transparent, and minor dents can be fixed for under 300 yuan, which is even lower than my insurance deductible. Of course, for major damage, it's still more cost-effective to go through insurance.