Well, no one is a perfectionist as we all make mistakes don’t you think? There are thousands or millions of car owners in the city or country where you live and there is a chance that you could bump into one another when driving.
This can cause huge damage or a small scratch and dent on your car, when this happens you can become furious and want to do everything possible to get it fixed.
In this case, people who have car insurance may run to their insurance agent to cover the repairs of the car. Now the question is ” is it worth claiming insurance for a scratch and dent on a car?” I guess you don’t have an idea of what to do that’s why you are here. No worries as this article will give a detailed insight into the steps you can take when faced with this challenge.
Does car insurance cover little damages?
The purpose why people purchase car insurance is for insurance companies to cover the damages on your car or damages inflated by you on another individual’s car.
Most people get insurance on their car when the car they have is quite expensive.
Getting scratches and dents insurance on your car depends on the insurance policy bought by you. So it is important to study the conditions for your car insurance properly before taking action.
Should I make a claim when my car is scratched?
It isn’t necessary to claim the insurance on a little scratch on your car especially if it is something you can do yourself. Scratch and dents insurance claim on your car tends to increase your premium and nobody wants that.
It is only advisable to claim the insurance on a scratched car when it is extremely expensive to repair and you can’t afford to get it done yourself.
Also, you should put into consideration certain things before filing for a claim some of which are:
- If the scratch greatly affected the beauty of your car.
- Ensure the expenses that would be used to repair your vehicle is in line with your deductibles.
- Be ready to pay more premiums when you file a claim.
- Check to see if you have what it takes to pay for the cost to repair your vehicle.
In other words, if you are found guilty of damaging the other party’s car, me ready as your car insurance payments would be on the high side. But if the other party is at fault be rest assured that his or her insurance company will cover the damage.
What if I scratched a car I borrowed?
There are cases where you can borrow a friends car for certain purposes. What if you got involved in an accident while driving it?
In this case, if you inflated damages on another person’s car your liability insurance will cover the damages incurred. While if there is damage to your friends’ car the same goes as your liability insurance will take care of the repairs while your friend will also need to contact his insurance company as he may be responsible for the repair due to the fact that he would take accountability for lending his car out.
Have a check on your deductible before filing a claim.
Whether you are covered by collision or comprehensive coverage it possesses a deductible amount. The deductibles are the cash you are required to pay before certain measures are taken by your insurance company in taking responsibility for the other expenses.
It is important you weigh your options concerning the cost of repair for your vehicle. It is irrelevant to file an insurance claim if the cost of repairs for your vehicle is less than the deductible, this will affect your premium payment as you would be paying a higher rate of premium.
You should know that you would be expected to bear the cost yourself and this doesn’t change the price of your insurance premiums. Also, if other damages are incurred as a result of the accident, you must know that your insurance coverage will be responsible for the repairs aside from fixing the dents and scratches.
Before filing a claim for little damages like scratches and dents have a deep thought on it and also put into consideration the price, your deductible, and the rise of your premiums payment before filing a claim.
Also, ensure you inform your insurance company concerning any accident your vehicle is involved in whether it is a minor or a major accident.
Conclusion
Scratch and dents insurance claims on your vehicle aren’t necessary when you are capable of repairing it yourself. You don’t have to go through the stress of filing for scratch and dents insurance claims. As indicated above, consider weighing your options, to avoid getting involved with paying a higher premium for something you can actually do yourself at a lesser cost.
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