Does Car Insurance Cover Scratches and Dents?

While buying a car, you want to protect it from dents or scratches at any cost. Let’s delve into car insurance considerations to understand when it steps in to help you with those unsightly scratches and dents and when it doesn’t.
Does Car Insurance Cover Scratches and Dents?
Does Car Insurance Cover Scratches and Dents?
Scratches and dents are an unwelcome reality in the unpredictable motoring world. When these imperfections mar your cherished vehicle, you might wonder, does car insurance cover scratches and dents? It depends on various factors. Let's understand how car insurance works with scratches and dents and the process of getting the insurance with Beem.
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Your car is more than just a means of transportation; it embodies your pride and investment. But scratches and dents are an unwelcome reality in the unpredictable motoring world. When these imperfections mar your cherished vehicle, you might wonder, does car insurance cover scratches and dents? The answer is not a simple yes or no. It depends on various factors. Let’s delve into car insurance considerations to understand when it steps in to help you with those unsightly scratches and dents and when it doesn’t. Also, find the best car insurance policies on Beem. Get up to 40% off on auto insurance with Beem.

How Does Car Insurance Cover Scratches And Dents?

Dents, scratches, and door dings are common vehicle issues, and car insurance covers you. Most claims for these cosmetic damages fall under collision or comprehensive coverage. These optional policy additions ensure your car stays protected, making them a smart choice for anyone concerned about maintaining their vehicle’s appearance and value.

Auto Collision Coverage

Auto Collision Coverage, just as the name suggests, is your vehicle’s trusty shield. Whether it’s a major collision with another vehicle or a minor mishap like scraping a guardrail, this coverage has your back. Not only does it handle big accidents that could total your car or keep it in the repair shop for weeks, but it also takes care of those pesky dents and scratches. 

So, when your car meets a barbed-wire fence and suffers paint damage and a minor dent, your auto collision coverage steps in to cover the repair costs. It’s your vehicle’s safety net, ensuring you’re always ready for the unexpected.

Auto Comprehensive Coverage

Auto Comprehensive Coverage is your safety net against unpredictable events. It steps in when your vehicle suffers damage beyond your control, unrelated to collisions. Whether your car faces vandalism, encounters a deer on the road, gets struck by a falling tree branch in a storm, or has its windshield cracked by kicked-up road gravel, Comprehensive insurance has you covered. It’s your all-in-one protection for life’s unexpected curveballs.

When Does Car Insurance Cover Scratches and Dents?

Car insurance covers scratches and dents in specific scenarios. Collision coverage pays for damages when you collide with another vehicle or object. Comprehensive coverage handles non-collision incidents like a tree falling on your car or vandalism. It extends to situations like animal damage or when road debris hits your car. Whether it’s a minor scratch or a more significant dent, your coverage can help, but it depends on the nature of the event. Always check your policy for details.

When Doesn’t Insurance Cover Scratches Or Dents?

In the world of auto insurance, understanding the fine print is essential. There are scenarios where your insurance won’t come to the rescue for those annoying scratches or dents on your vehicle. Here are the key culprits:

General Wear and Tear

Car insurance is a safety net designed for sudden and unexpected events. It doesn’t extend its protective umbrella to cover general wear and tear. This category includes the minor but inevitable blemishes that come with daily use, like dents, scratches, and paint deterioration that naturally occur over time.

Lapse in Filing a Claim

Timeliness is of the essence when insurance claims. Many insurers have strict time frames that you must adhere to when filing a claim. If you wait too long to report a dent or scratch, especially one that occurred years ago, your insurer may turn down your claim, leaving you responsible for the repairs.

Does Car Insurance Cover Scratches and Dents?

Is It Worth Claiming On Car Insurance For A Dent Or A Scratch?

When faced with a dent or a scratch on your car, a common dilemma arises – should you file an insurance claim or handle the repair costs yourself? The decision often hinges on the extent of the damage and the associated expenses.

Minor Damage: In cases of minor cosmetic issues, paying for the repair out of pocket is often more cost-effective. Collision and comprehensive coverage typically come with deductibles ranging from $100 to $2,000. If the repair costs fall below your deductible, it’s prudent to cover them without involving your insurer.

Extensive Damage: For more substantial and costly damage, filing a claim becomes a reasonable choice. For instance, if your vehicle sustains $3,000 in damage due to vandalism and your comprehensive car insurance deductible is $500, it makes financial sense to file a claim.

What Happens if Someone Dents Your Car?

If another individual causes cosmetic damage to your car, such as denting your door with their own, their car insurance company may cover the repair expenses.

What Happens if You Dent Someone’s Car?

Accidentally denting, dinging, or scratching another person’s vehicle is covered by your car insurance policy’s property damage liability coverage up to your policy’s limit. However, intentional damage, like vandalism, is typically not covered by liability insurance, necessitating out-of-pocket repair payments.


In car insurance, it’s evident that coverage for scratches and dents exists through collision and comprehensive policies. These options offer a reliable safety net to ensure your vehicle remains pristine. Compare car insurance quotes on Beem to get the best deal. It’s vital to recognize the exceptions, such as general wear and tear, and the importance of adhering to claim timelines. With this knowledge, you can make informed decisions to protect your car’s appearance and value, keeping your investment secure.

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Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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