Ask An Agent


Get free insurance advice on demand



Is it worth filing a claim for a scratch on my car that happened when it was parked?

I was parked on the street for a few hours and came back to a scratch from my back driver-side door to my bumper. It isn’t big but it’s noticible and it bothers me. What will happen if I file a claim?

Agent Answer

Neil Richardson

If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair. I would recommend getting a repair estimate first since your company wouldn’t pay for the claim unless it costs more than your deductible.

Was this helpful?

0 0
  • Didn't Find What You Were Looking For?

    Ask us another question and an insurance expert will get back to you with an answer.

Looking to save money on your car insurance?

Learn More