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

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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...

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UPDATED: Nov 11, 2012

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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.

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