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Question

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.

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