I just bought new car, someone scratched the side, is it covered by my insurance?

Question

DO I call my insurance company? Its not a big scratch, but damn its a 2007, What should I do?

Answer 1

well if you call insurance you will have to pay at least the deductible which normally is $500 or more. then you will have the car gone for weeks on end at the body shop to have that section repainted. meaning your "factory perfect" paint is no more and any warranty for your finish by the manufacturer is now void. and most body shops only guarantee the work for 2 or 3 years, if that long if you read the fine print.

you best bet is to get ahold of a cosmetologist. these are people/companies that specialize in scratches, touch up, small paint repairs, etc.

since its a 2007 and you didn't mention the make, just to be safe since its new, call up a few high line dealerships around town. Lexus, Infiniti, BMW, Benz and ask them who they use as a touch up paint company.

then set an appointment with them. if the scratch isn't a big deep one like from a car key, then most likely they can buff it back together with what they call "burn blending" where the paint is actually moved back over the scratch itself.

no matter what they do...it will be less than your insurance deductible, it will not void your paint and finish warranty, it will take no more than a few hours if a day at most, and you will retain 99 if not 100% of the factory finish.

used cars look new for a reason....guys like these.

Answer 2

If it's just a scratch of the paint then call the repair shop of the auto dealer you bought the car through, they can give you a small touch up of the exact match of your paint. It's like painting on nail polish. It's inexpensive and won't requite filing a claim with your insurance.

It could be that even if you took it in to a body shop it would probably still be less than your insurance deductible.

Answer 3

Yes, call your agent.

Answer 4

if you have comprehensive it is