Having the right insurance coverage to protect you from damage to your car is worth it. However, the question is, which one is the right one for me? There are instances when you require perfect car exteriors when you intend to resell them. There are also instances where you live where specific hazards such as falling branches are possible. This article discusses which types of car insurance cover cosmetic damage, such as scratches, dings, and dents.
Which Types of Car Insurance Cover Which Causes Damage
There are two main types of car insurance coverage (click here) options that you can choose depending on the kind of damage you think might cause the damage to your vehicle.
Auto-Collision Coverage
These types of car insurance cover damage caused either by another vehicle or if you caused the damage yourself, which we henceforth call “single-car” coverage. Auto-collision coverage will protect you from the damage caused by a rear-ender or a head-on collision with another vehicle. A “single-car” damage happens when you run your can onto a guardrail or if you hit a fence.
Auto-Comprehensive Coverage:
These types of car insurance cover damage that is caused by factors beyond your control, such as hitting a wild animal or a branch falling on your car. Some insurance companies classify damage caused by another car when you are parked under this coverage.
Which Cosmetic Damage Type Won’t Car Insurance Cover?
If it took you to claim cosmetic damage to your car, for instance, if it took you a year before filing a claim for a dent, your insurance company won’t cover the cause of the damage. Your insurance company does not cover dents, scratches, and dings gathered over time caused by wear and tear.
When Is It Worth It To Claim For Damage Repair?
The answer depends on the difference between the deductible and the damage cost to your vehicle. If the repair cost is just a little higher than your deductible, then paying out of your pocket is a better option. If the cost of the damage is much higher than your deductible, then claiming your insurance coverage makes more sense.
If Someone Else Damages My Car, Who Will Pay For It?
If someone else damages your car, then their insurance company will cover the cost of the damage repair for your car.
Who Will Pay If I Damage Someone Else’s Car?
If you damage someone else’s car, your insurance policy can cover liability damage. However, there is a limit to the coverage. You may need to pay the excess amount if the damage is substantial.
Takeaways:
It pays to have insurance coverage. Moreover, the deductible difference between auto-collision and comprehensive coverage may not be prohibitively high. Though we are always hoping that we won’t have to make insurance claims in the future, having insurance will give us peace of mind about our vehicle. Moreover, if you intend to sell your vehicle, having insurance coverage will be worthwhile. If you need your dent repaired, having a dependable auto body repair shop near you who can work with your insurance company goes a long way. Moreover, they can also guide you through the repair process and help you select the most appropriate dent repair methods that can save you money.
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