will my insurance cover these body touch ups.?

Question

someone made a ding in my car in a parking lot, it has a few rock chips in the hood and bumper. will this make my insurance go up or not if i file a claim.. these are very small small things but it still bothers me cause i strive for perfection in my car. thank u for your help.

Answer 1

If you have comprehensive insurance on your car some of the items may be covered but, it may cost less to have them fixed than what your deductible will cost. Filing a claim on comp ins. should not increase your ins. premium.

Answer 2

Anything that is not considered a "collision" with another car or non living object is covered by "comprehensive." Deer or animal hits, broken glass, vandalism, or any other damage is covered under comprehensive. The problem is, you can not turn all this in under one claim. Each incident is a separate claim with a separare deductible. Most collision deductibles are $500 these days. Most comp deductibles are $100, but you need to read your policy or ask your agent to be sure. Make sure to ask him/her if it will raise you rates if you turn in a certain number of claims. It would definitely be worth it to turn each claim in if it didn't raise your rates, because it costs over $200 to paint a single panel on the average car, and will be at least double that if they have to blend into the adjacent panels to achieve an acceptable color match. However, if you continue to turn in each claim, the insurance company will not tolerate it , and will raise your rates, because you are a high risk customer. Even if none of these accidents are your fault, you keep putting your car at risk if you can't find a way to avoid these dings and bruises.