
It is surprising how different one’s car would look if it has few dents on it. Your vehicle that once looked perfect can turn into a blemished car easily just because of a mistake made by a driver who wasn’t paying attention while driving or a careless shopper who collided with your car in the parking lot.
The frustrating part is that these minor dents can also be expensive to repair when you take them to professional body shops, which brings us to the question; can I claim insurance for car dents? Continue reading, and you will find answers.
The good thing about this dent is they do not affect the functionality of your car despite making your car look different and odd, and there is also a very high possibility factor that a dent isn’t what you would like to spend your hard-earned money at body shop trying to fix or repair.
The good news is there is a good chance that you would get the dent on your car fixed, and the money that will be spent for that will not have to come out of your pocket. But, of course, this is possible only if you have the right type of insurance coverage.
Welcome to our can I claim insurance for car dents guide using your auto insurance and how a dent can be repaired or covered.
How To Claim Insurance For Car Dent

Whether or not the insurance policy you have would be able to pay for any dings or dents that your car has suffered depends on the type of insurance policy you have at the time of the accident.
If what you have in your insurance coverage is a basic auto insurance policy, then you would not be entitled to the first-party coverage options, which are actually optional. Still, the compulsory coverage options you are likely to find on any basic plan include property and bodily injury damage.
In certain states, drivers are expected to carry personal injury protection, medical payments, and uninsured motorists. Unfortunately, none of these coverage listed here would help when it comes to paying for physical damages that your car has suffered.
It actually brings us to the question: What kind of coverage would a driver need to cover up for dents on his vehicle? Adding a comprehensive or both collision and comprehensive coverage to your insurance policy means your insurer would pay for every dent repair.
The comprehensive coverage is referred to as the other than collision coverage because they can use it in paying for damages that have exceeded your control. To be able to file a claim using comprehensive coverage, the damage must be greater than your deductible.
The good aspect of all this is that the deductible that the comprehensive coverage carries is less than the deductible you have in your insurance policy.
In the case of collision coverage, this coverage would pay for physical damages that your vehicle suffers when it collides with another property. For example, it could mean you are colliding with an object, a wall, a barrier, a vehicle on the way, and it is only when you are at fault that you can use your collision coverage to pay for any damages incurred or when two or more cars are involved in the accident.
Like in comprehensive coverage, the collision would pay when the collision deductible has been exceeded.
Before the insurance company can issue out any check, you must first pay for the deductible. If the car’s actual cash value has been exceeded, the insurance company will settle the claim as a total loss instead of settling it as a collision loss.
We want you to know that most insurance companies have auto body repair shops that they must have partnered with to ensure that the labor cost gets covered.
If you move to repair your vehicle somewhere else, the company will limit how much it can pay out regarding labor. If, after reading all this and you find out you don’t have the right coverage for dents on your vehicle, then this is the right time to get full insurance coverage.
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