If someone keys your car, the immediate steps are to document the damage, file a police report, and contact your insurance company. The repair method depends on the scratch depth. Superficial clear coat scratches can often be polished out, while deeper scratches that expose the primer or bare metal require professional repainting.
First, take multiple photos and videos of the damage in good lighting from different angles. Note the date, time, and location. Even if you think the police won't investigate, filing an official report is crucial for your insurance claim. It creates a legal record of the incident.
Next, contact your insurance provider. Repairs for malicious vandalism are typically covered under comprehensive insurance, not collision. You'll need to pay your deductible. Minor scratches might cost less to fix out-of-pocket than your deductible amount, so get quotes first. For deep scratches, a body shop will sand, fill, repaint, and blend the new paint with the surrounding panels, a process that can take several days.
| Repair Type | Average Cost (USD) | DIY Feasibility? | Typical Repair Time | Insurance Coverage? |
|---|
| Light Clear Coat Scratch | $50 - $150 | Yes (with polish kit) | 1-2 hours | Often not worth a claim |
| Medium Scratch (to primer) | $150 - $400 | Not Recommended | 1 day | Yes (Comprehensive) |
| Deep Scratch (to metal) | $400 - $1,500+ | No | 2-3 days | Yes (Comprehensive) |
| Full Panel Repaint | $500 - $1,200+ | No | 2-3 days | Yes (Comprehensive) |
| Paintless Dent Repair (if dented) | $75 - $300 | No | Few hours | Possibly |
To prevent future incidents, park in well-lit, high-traffic areas or secure garages. A dashcam with a parking mode can also be a deterrent and provide evidence.
