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Car insurance coverage for scratches may vary depending on the policy you have. If you carry comprehensive or collision coverage on your auto policy, it may cover the cost of repair on your vehicle. However, it's important to consider whether filing a claim for minor damage like car scratches is cost-effective, as it could potentially lead to a rate increase.

Comprehensive coverage and scratches

Comprehensive auto insurance typically includes protection against damages resulting from incidents other than collisions, such as vandalism, theft, and certain natural disasters. If the scratches on your vehicle are caused by a covered event, such as vandalism or a falling object, comprehensive insurance will cover the cost of repairs in such cases.

Collision coverage and scratches

On the other hand, collision insurance is designed to cover damages to your vehicle resulting from a collision with another vehicle or object. If the scratches are a result of a collision, it may provide coverage for the repairs.

Car insurance deductibles and coverage limits

A car insurance policy comes with a deductible, which is the amount you are responsible for paying before your insurance coverage kicks in. Additionally, coverage limits may apply, meaning there is a maximum amount that your insurance company will pay for repairs.

Minor scratches that do not significantly impact the vehicle's functionality may not be covered by your car insurance or may fall below the deductible threshold. In such cases, you should avoid filing a car insurance claim and pay for the repair costs out of pocket.

Final thoughts

Car insurance covers scratches and dents, but it depends on the type of coverage you have. Comprehensive insurance policies usually cover scratches and dents caused by vandalism, theft, falling objects, and other non-collision incidents. 

However, if you only have liability insurance, it won't cover scratches to your own vehicle. It's important to review your policy or contact your insurance provider for specific details about your coverage.

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