Can malicious scratches on a car not be covered under vehicle damage insurance?

[Deanna]

Malicious scratches on a car can generally be covered under vehicle damage insurance, specifically divided into two scenarios: Purchased vehicle damage insurance: If the motor vehicle has commercial insurance that includes vehicle damage insurance, the issue can be handled through the insurance. In most cases, minor scratches on the vehicle can be covered by insurance, such as when the car is parked in a residential area and the paint is scratched by a sharp object. In such cases, if the car has scratch insurance, a claim can be filed. However, whether to file under scratch insurance or vehicle damage insurance depends on the severity of the damage. No vehicle damage insurance purchased: If the motor vehicle does not have commercial insurance that includes vehicle damage insurance, scratches on the vehicle's paint cannot be claimed and must be repaired at the owner's expense.