If you ended up scraping a pole in the parking lot of your car has just been keyed or maybe a runway cart has just dinged your bumper, you might be wondering the possibility of claiming on car insurance for scratches and you might have a hell of a time trying to figure out if insurance would pay for the scratch on your car.
Truth is we don’t blame you if you are trying to file a car insurance claim because you found a scratch on your car but there are certain factors that you should consider before going on to fix the scratch. Some of these factors that we are talking about includes the extent or how bad the damage goes and also how high your deductible has risen as well as the cause of the scratch on your car.
We encourage you to keep reading this review if your car has just been dented or if there is a scratch on it as we would be telling you all that you would need to know so that the situation can be handled appropriately. You would also learn how to file a claim with the insurance company.
Claiming On Car Insurance For Scratches
Is it okay for you to go ahead and report to your insurance company that you found a scratch on your car? Does car insurance go as long as covering for scratches and dents on your car? The fact is all of these are part of the reasons why people pay for insurance so the answer is yes, you have the right to file a claim to your insurance company for any scratch or dent you find on your car. The main thing that would be important in helping you save money is knowing when to keep quiet and when to file a claim.
Filing a claim is capable of causing a hike in your rates that would end up increasing your monthly insurance premium. However, if you make up your mind to move ahead then how do you file a claim to your insurance for the damage on your car? What needs to be done is you should call and inform your insurance company and also ensure that pictures of the scratch is taken and sent to your insurer alongside with contact information of any eyewitness around at the time of the accident.
Another thing that you must do is being able to determine what really led to the scratch on your vehicle and if the situation surrounding the scratch on your car was as a result of another driving hitting your car then the insurance company of the driver needs to be contacted as well as collecting the information details of the driver at fault. Before you make up your mind on filing a claim for a scratch on your vehicle, what you should try to figure out is how the cause of the scratch would affect your repercussions later.
This is why it is advisable that if you must file a claim to any insurance company, make sure the story includes a medical bill that needs to be covered for an injury sustained in the car accident, an accident that led to the loss of life of maybe a driver or passenger and if it happens that one of the vehicle has been towed away. Some claims are chargeable and this means your insurance rates would be affected. Chargeable claims are there for claims in which you are the at fault driver of the accident.
Other types of claims are not chargeable and this simply means that your insurance rates would not be affected even if you end up filing a claim. These are the types of claims that can be filed when you are not the driver at fault or the cause of the accident. If the scratch came as a result of something that probably occurred maybe like you scrape a tree branch then the cost of repairs would be taken care of if you have collision coverage. It is also possible that you might be involved in a car accident and the other driver doesn’t have insurance.
This is one of the dangers of being involved in a car accident and if your insurance policy doesn’t have under-insured and uninsured motorist coverage then such accident with a driver without an insurance plan would greatly affect your you and also end up affecting your bank account.