☰ ˟
Send us a text: 269-339-0002 Language Selector
Logo Bulgarian Logo
  • Home
  • Get A Quote
    • Annuities
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Farm
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
    • Life
    • Motorcycle
    • Pet Insurance
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Earthquake
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Insurance Glossary
  • About Us
    • About Allen Harmon Mason Selinger Insurance Agency
    • Our Locations
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > Does Auto Insurance Cover Dents and Scratches?
THURSDAY, FEBRUARY 8, 2018

Does Auto Insurance Cover Dents and Scratches?

Stand back and look at your vehicle. Do you have a number of dents and scratches on it? That is not uncommon, but repairing them can be costly in some cases. image of car pulled over after accident

In some situations, auto insurance can cover the damage repair. In other situations, it will not. The type of insurance you have plays a role in this decision. The type of incident that causes them also matters. Here’s what you need to know.

Were You in an Accident?

If the vehicle has scratches on it, but they are not from a particular incident, car insurance is unlikely to help. If an accident caused them, then there may be coverage available to you. Dents and scratches that occur due to poor maintenance and upkeep on the car do not have coverage. Discuss your incident with your agent. He or she can tell you if the incident has coverage.

What Type of Auto Insurance Do You Have?

Not all coverage applies here. Did someone else cause the damage to your car? If so, their liability insurance may cover it. Yours will not. Did you collide with something causing the damage? Your car insurance will cover this incident if you have collision insurance. Did a tree fall on the vehicle or hail cause the damage? Comprehensive insurance will help in this case. If you only have liability insurance, you may not have any protection from this incident.

What Is Your Deductible?

A deductible is the amount you must pay towards the incident before the insurer makes a payment on a covered claim. Let’s say you have hail damage and dents resulting from it. It will cost $500 for the repairs. If your deductible is $500, the insurer will not pay for the incident. If the deductible is less than this, it will pay the difference. You can set your deductible around the terms you would like. However, you must meet this obligation before any claim will occur.

Dents and scratches can be severe after an accident. If so, they should be a part of your car insurance claim. Discuss all of the damage to your vehicle with your agent by calling 269.441.5156. This is the best way to learn what amount of protection you have. And, adjust your coverage amounts to meet your financial goals going forward. You’ll appreciate having ample protection should you need it later on to file a claim.

Additional Resources: Car Insurance: Liability vs Comprehensive and The Four Important Features of Car Insurance Policies

Posted 4:29 PM

Tags: auto insurance, car insurance claims
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012

  • insurance(32)
  • home insurance(26)
  • auto insurance(25)
  • business insurance(22)
  • tips(22)
  • coverage(21)
  • life insurance(20)
  • battle creek(14)
  • savings(12)
  • health insurance(9)
  • battle creek auto insurance(9)
  • battle creek home insurance(8)
  • battle creek life insurance(7)
  • battle creek car insurance(7)
  • safety(6)
  • battle creek homeowners insurance(5)
  • boat insurance(4)
  • general liability(4)
  • car insurance battle creek(4)
  • premiums(4)
  • auto(4)
  • commercial auto insurance(4)
  • auto insurance battle creek(4)
  • life(3)
  • costs(3)
  • winter(3)
  • workers compensation(3)
  • michigan(3)
  • health(3)
  • battle creek business insurance(3)
  • commercial auto(2)
  • policy(2)
  • protection(2)
  • homeowners insurance(2)
  • allen harmon insurance(2)
  • property insurance(2)
  • battle creek health insurance(2)
  • general liability insurance(2)
  • claims(2)
  • driving(2)
  • cold(2)
  • battle creek mi homeowners insurance(2)
  • home insurance battle creek(2)
  • homeowners insurance battle creek(2)
  • homeowners(2)
  • commercial(2)
  • battle creek bombers(1)
  • teen drivers(1)
  • workers(1)
  • compensation(1)

View Mobile Version
Facebook icon Twitter icon Google Icon Twitter icon
Allen Harmon Battle Creek | 230 N Helmer Rd | Battle Creek , MI 49037 | (269) 441-5156 Allen Harmon Rochester | 961 Oakwood Dr | Rochester, MI 48307 | (877) 205-0051
© Copyright. All rights reserved.
Powered by Insurance Website Builder