You would definitely feel worse when you hear a strange sound like something scraping the side of your car, or maybe you are just returning from a shopping trip or short period of time, and you find your car already has several scratches.
Car scratches on your vehicle cannot be handled the same way with all car scratches in car insurance. Do you know what kind of insurance you are looking at if someone scratches your car? Trust this someone scratched my car in the parking lot article right away.
Someone Scratched My Car In Parking Lot
The truth still is the way your car got scratched still makes a little bit of difference when considering if your car insurance carrier would be responsible for repairing the damages. Several coverages can cover the causes of these scratches, and regarding certain damages, you may not have the kind of coverage for them. Therefore, the first step before filing an insurance claim is knowing the cause of the damage.
Scratches That Can Be Covered By Comprehensive Coverage
If a comprehensive coverage factor is responsible for what caused the damage to your car, then you would need to get a comprehensive and detailed list of what caused the damage in your vehicle before your insurance would be able to pay for the repairs. It could be caused by;
- A tree branch falling on your car.
- You figured out your car was keyed through vandalism
- If the wind pushes a shopping cart and it hit your vehicle
You are likely to have a deductible on your comprehensive coverage. It would help if you also had at the back of your mind that you also need to pay for the amount of deductible before when your insurance coverage would kick in and bear the cost of repairing your vehicle. However, bear in mind that a vandalized car would also require a police report.
Scratches That Are Covered By Collision Coverage
You would also require collision coverage if your vehicle has been scratched either by getting hit by another object. Misjudging the distance by an inanimate object is possible, especially if you are in a tight squeeze situation, and the fact is, sometimes, you might not really be able to avoid scratches. A scratch caused by a collision is going to attract a deductible.
If you are going to pay or not rests on so many factors, and these factors include the faulty person and what policy coverage you have with your insurer. The following accidents can be covered with the insurance policy that you have;
- Another car door hitting your car while parked in a parking lot
- The car gets scratched in a car wash
- Scraping tree branches while you are driving
- Scraping done by an inanimate object
- Sideswiping someone else’s vehicle
Not Knowing The Cause Behind The Scratch On Your Car
Where the problem lies could be in determining what really caused the scratch on your vehicle, but you can also file for a claim and have talks with your claim adjuster. Claim adjusters get to see several damages and can tell what really is the cause behind the damage, and what could really cause severe scratches can be a collision.
It is actually a personal choice for you, and you can also get to seek the help of a licensed insurance agent that can guide you through the process of getting a worthwhile claim for the damage done to your car.
Scratches can vary in severity and also in their cost to repair. So you should also try finding out what it would cost from a body shop and how much the repair would cost.
You should also keep deductible in mind when trying to decide if the scratch done on your car is worth filing for an insurance claim.