Answered on Apr 16, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“In all likelihood, you’re probably covered. To the insurance company, this likely falls under the umbrella term of “”vandalism.”” Even if the scratches and dings were unintentional, you still weren’t told about them and left to pay for the repairs.
While your comprehensive coverage
should cover this, you still have to think about the overall cost. Most comprehensive policies have a $500 deductible, meaning you have to pay $500 out of pocket and the insurance company pays anything over that amount.
If the damage costs less than $500, or even just over $500, you may not want to file a claim. If you do, your rates may go up. Plus, you might experience less hassle by just paying out of pocket.
Make sure to get an estimate to see how much the damage costs just to be on the safe side.”