Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 3, 2021

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The Lowdown

  • Your car insurance could cover scratches and dents depending on your level of coverage
  • You will need full coverage insurance to pay for scratches and dents to your car
  • Check your deductible amount before filing a scratch and dent auto insurance claim with your insurance company

Regardless of how it happened, it can be a pain to repair if your car has scratches and dents.

You may be wondering whether your car insurance will cover scratches and dents. The answer is, “maybe.” Ultimately, there are many factors you must consider before knowing for sure whether your auto insurance company will cover scratches and dents on your car.

If you are looking for affordable scratch and dent auto insurance, compare car insurance rates now by entering your ZIP code above.

Does auto insurance cover scratches and dents?

Whether you like it or not, how your car ended up with scratches and dents will likely dictate whether—or how much—your car insurance will cover the damage. There is no such thing as a scratch and dent auto insurance company, but full coverage on your vehicle could be quite helpful.

If you were in a car accident, collision coverage could help you pay for some of the repairs to your car.

Scratches and dents could be a big problem or the least of your worries. Either way, you would need to carry full coverage that includes collision for this type of damage to be covered by your car insurance.

Finding scratches and dents on your car and not knowing exactly how they occurred is a different story.

This type of damage could often be partially covered by comprehensive coverage. This type of coverage will take care of your vehicle if a storm damaged it or if someone damaged it and then fled the scene.

Still, both collision and comprehensive coverages have stipulations. Your insurance company may stipulate that if you caused the accident, for example, your coverage is less helpful in repairing the scratches and dents on your vehicle.

Another thing to consider is how much the repairs will cost.

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Does auto insurance cover parking lot dents?

One specific way your car may have been scratched or dented is in a parking lot.

Whether it’s terrible drivers or runaway grocery carts, your car can easily be dented in a parking lot without you noticing at the time.

If your car is scratched or dented by someone in a parking lot, be sure to get their insurance information before leaving the scene, as their insurance should pay for any damage to your vehicle.

If you get home and notice that your car was scratched or dented in the parking lot, you will likely need to use your comprehensive coverage to help pay for the damage.

Should I file a claim for scratches and dents?

Before filing a claim for anything with your car insurance, you need to check and see how much the cost will be to pay out-of-pocket versus paying through insurance.

The main reason to consider this is cost. You need to find out your car insurance deductible, which is likely at least $500.

According to the Insurance Information Institute, you can expect your car insurance rates to increase as you renew your policy after filing any claim.

If repairing the scratches and dents to your car is less than your deductible, you should not file a claim. If it is not substantially more, you should still consider paying out-of-pocket to avoid increasing rates in your future.

However, if repairing the scratches and dents to your car will likely cost hundreds or thousands of dollars, it will be in your best interest to file the claim and see if your insurance will cover the damage.

The Bottom Line: Does auto insurance cover scratch and dent repair?

When considering your options after your vehicle is scratched or dented, your need to be aware of the coverage you have on your car. You cannot buy scratch and dent auto insurance separately, so you must carry specific car insurance that helps with the cost.

If you carry full coverage that includes comprehensive and collision, there is an excellent chance your car insurance will cover the damage of scratches and dents.

You do not have to file a claim with your car insurance company because your car was scratched or dented. Be sure it’s the decision you want to make before contacting the company.

If you are looking for scratch and dent auto insurance quotes, enter your ZIP code below to compare prices on full coverage insurance.