Yes, comprehensive insurance does cover scratches as long as the damage resulted from something that was not related to a car accident. Comprehensive insurance only covers non-accident-related damage, such as damage from a falling tree or a natural disaster.
On the other hand, if the scratches were caused by a collision with another car or negligence, comprehensive insurance will not cover it. Also remember that comprehensive insurance often includes a deductible that must be paid out-of-pocket. As a result, if the cost to repair the scratches is less than or similar to your deductible amount, it may not be worth filing a claim, even if it is technically covered.
When Comprehensive Does Cover Scratches
- The scratches were caused by an animal.
- The scratches were caused by a natural disaster or other weather-related event.
- The scratches were the result of a tree falling or hitting the vehicle.
When Comprehensive Does Not Cover Scratches
Comprehensive insurance will not cover scratches if it was caused by a collision with another vehicle or object, or as a result of normal wear and tear. Additionally, if the damage was intentionally caused or the result of negligence, the insurer may deny the claim.
To learn more, check out WalletHub’s guide to comprehensive insurance.
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