I just noticed scratches on the back of my car, does the fall under comprehensive or collision?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Nov 11, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Golden, CO

Asked on 11/11/2012

I just noticed scratches on the back of my car, does the fall under comprehensive or collision? If the estimate is 200 more than my deductible, should I file a claim or pay out of pocket?

Answer given on November 13, 2012

To determine which insurance will cover scratches to your car, you need to be able to determine what caused them. If you were in a parking lot, and the scratches look like damage caused by a car that backed into you, then the coverage would be under the collision coverage. Of course, the deductible will apply, but your rates will not be affected.If the damage looks like scratches caused by another source, such as animal scratches, or vandalism, such as your car being keyed, then that is comprehensive coverage. The deductible for comprehensive would apply to the damage and again there will be no affect to your rates.If you cannot determine the cause of the damage, the adjuster may decide it was collision damage. Make it clear that you didn’t hit anything to be sure your rates are not affected. If it will affect your rates, I would suggest you pay for the damages yourself, as it will probably cost more than $200 if they charge for an accident.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption