Does Auto Damage Insurance Include Scratch Coverage?
1 Answers
Auto damage insurance does not include scratch coverage, as scratch insurance is an additional rider. Introduction to Scratch Insurance: Scratch insurance is an add-on to auto damage insurance, meaning it can only be purchased by those who have already insured their vehicle under auto damage insurance. The full name is 'Body Scratch Loss Insurance,' available for family-use and non-commercial vehicles. It covers the cost of repainting the vehicle's surface when there are scratches without obvious collision marks during the insurance period, with the insurance company compensating for the actual loss. Scratch insurance is an additional coverage to auto damage insurance and cannot be purchased separately. Introduction to Auto Damage Insurance: Auto damage insurance is a type of commercial vehicle insurance where the insurance company compensates within reasonable limits for damages to the insured vehicle caused by an accident while being used by the insured or an authorized driver.