Does Car Insurance Cover Scratches?

One of the first questions car owners ask after discovering a scratch is: will my insurance cover this? The answer depends on your policy — but in most cases, filing a claim for a minor scratch isn’t worth it.

When Insurance Covers Scratches

Comprehensive coverage typically covers scratches caused by vandalism, weather events (hail, falling branches), or hit-and-run incidents. Collision coverage may cover scratches from accidents.

When Insurance Doesn’t Cover Scratches

Basic liability insurance does not cover damage to your own vehicle. If you only have liability coverage, you’ll need to pay for scratch repairs out of pocket.

The Deductible Problem

Even if your insurance covers scratches, your deductible is often higher than the cost of the repair. Filing a claim for a $200 scratch repair when your deductible is $500 makes no financial sense — and it can raise your premiums.

The Smart Alternative

For most everyday scratches, the Magic Pen FixMyCar™ is the most cost-effective solution. At a fraction of the cost of a body shop visit — and with no insurance claim needed — you can fix your scratch in 60 seconds and move on with your day.

Skip the insurance hassle. Fix your scratch in 60 seconds with the Magic Pen FixMyCar™.