Does Car Insurance Cover Door Dings?

Your car insurance will most likely cover dents or dings on your door if you have both collision and comprehensive coverage in your policy.
Written by Kaitlin May
Reviewed by Kathleen Flear
Car insurance
will cover dings, dents, and scratches on your car door if you have both collision and comprehensive insurance in your policy.
When we think of car insurance coverage, we tend to think of significant events, like a car accident, but what about cosmetic damage? Your beloved ride deserves to be in tip-top shape, and with the right car insurance policy, you can maintain its sleek appearance for years to come.
Not sure what your auto insurance policy needs to include to keep your car safe and shiny in any parking lot? We’re breaking down all there is to know about dings, dents, and door damage—and how to keep your car rolling through life’s unexpected punches.
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Will car insurance cover door dings?

If you opt for
coverage, most minor property damage claims, like door dings, will be covered. Although they sound similar, collision and comprehensive coverages aren’t interchangeable—you’ll need both to ensure your doors stay in mint condition. Let’s break them down. 

How does car insurance cover door dings, scratches, and dents?

While substantial damage from an accident is relatively straightforward when it comes to insurance coverage, minor hits are a bit more complicated
Here’s how collision and comprehensive insurance would come into play when it comes to covering door dings:
  • Collision insurance pays for damages resulting from a collision with another vehicle or a stationary object, like a shopping cart during your beloved Target run. With this add-on, your car doors will also be protected if you hit a curb, guardrail, or tree.
  • Comprehensive insurance covers dings incurred by
    weather events
    , like hail damage from a hail storm, trees falling during a thunderstorm, and more. It also protects your car against crimes, like vandalism or theft. 
With both of these coverages bolstering your insurance policy, you won’t have to sweat it if the elements, a thief, or any other threat looms over your parked car. As long as your
deductibles are met
, your car door will be restored by either collision or comprehensive insurance.

Should you file an insurance claim for a dent?

Not always—both coverage types include deductibles, so filing a claim is only worthwhile if the
repair costs
are high. Taking your car to a body shop for a paintless dent repair may not fit the bill, depending on your car insurance company and policy.
A simple dent removal can be a
DIY project
, and it’s not worth the headache of arranging a body repair or risking increasing your insurance rates. It’s best to reach out to an insurance agent to get the full details of your insurance information and confirm how far your coverage will go. 
If the dents, dings, or damage on your car are from general
wear and tear
, you can rest assured that your insurance won’t cover the repairs.
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If your car sustained a small ding from a piece of hail or a shopping cart, the repair would cost between $50 and $125. If you have a ding or dent from an accident, the repairs will cost closer to $150 or more.
Yes. Most insurance companies recommend a collision insurance deductible starting at $500 and a comprehensive insurance deductible anywhere from $100 to $2,000. If the cost to repair the damage to your door doesn’t meet the deductible, your insurance won’t cover it.
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