Whether car insurance covers dents and scratches depends entirely on the type of coverage you have and how the damage occurred. Comprehensive and collision coverage are the two policy types that typically apply. If the damage is from an accident you cause, collision coverage would handle it. If it's from something like hail, a falling tree branch, or vandalism, comprehensive coverage is what you need. If you only carry the state-mandated liability insurance, dents and scratches are not covered.
The decision to file a claim involves weighing the deductible (the amount you pay out-of-pocket before insurance kicks in) against the repair cost. For minor damage, paying out-of-pocket is often cheaper than filing a claim, which could increase your premium. For larger repairs, using your insurance makes financial sense.
Here’s a breakdown of common causes and the typical coverage:
| Cause of Dent or Scratch | Likely Insurance Coverage Type | Typical Out-of-Pocket Cost (Before Deductible) | Notes |
|---|
| Car Accident (Your Fault) | Collision | $500 - $4,000+ | Requires you to have purchased this optional coverage. |
| Hail Damage | Comprehensive | $1,500 - $5,000 | One of the most common comprehensive claims. |
| Vandalism (Keying) | Comprehensive | $300 - $1,500 | A police report is often required. |
| Shopping Cart Hit | Collision (if identified) or Uninsured Motorist | $150 - $600 | Often paid out-of-pocket due to low cost vs. deductible. |
| Door Ding from Another Car | Collision (if identified) or Uninsured Motorist Property Damage | $50 - $400 | Rarely worth a claim unless the other driver is identified. |
Always report the incident to your insurer promptly, even if you decide not to file a claim. They can guide you on the best course of action based on your specific policy details.
