Navigating insurance claims can be confusing, so we make the process easy from start to finish. We work directly with all major insurance companies, prepare accurate estimates, handle adjuster communication, and provide all required photos and documentation. Our team also guides you through your policy coverage, deductible options, and repair approval steps so you always know what’s happening. Whether your claim is simple or complex, we streamline every part of the process to save you time and stress. You won’t have to worry about paperwork, calls, or follow-ups — we take care of everything for you.
Address1705 Dixie Hwy,
Pompano Beach, FL
33060, United States
Pompano Beach, FL
33060, United States
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- Does Insurance Cover Scratch and Dent?
Does Insurance Cover Scratch and Dent?
High-Quality Auto Body Repairs Backed by Complete Insurance Claim Support.
Scratches and dents are some of the most common types of vehicle damage, especially in busy areas like Broward County. Whether it happened in a parking lot, from a shopping cart, during a minor bump, or from road debris, the first question most drivers ask is simple:
Does my insurance cover scratches and dents?
The short answer is: sometimes yes, sometimes no.
It depends on the type of insurance coverage you have and how the damage happened.
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At Pro Car Auto Body Shop, we help customers every day understand their insurance coverage, file claims correctly, and get the repairs they need without stress. This guide explains how insurance companies handle scratches and dents, and what you should know before filing a claim.
When Insurance Covers Scratches and Dents?
Your damage may be covered depending on the situation and your insurance policy. Here are the most common scenarios where insurance will pay for repairs:
1. When You Have Comprehensive Insurance
Comprehensive insurance covers non-collision events. This includes scratches and dents caused by:
2. When You Have Collision Insurance
Collision insurance covers scratches and dents caused by an impact with another vehicle or object. This includes:
- Backing into a pole
- Hitting a curb
- Light collision in a parking lot
- Another driver scratching or denting your car while parking
- Minor accidents that didn’t cause major damage
If the damage happened while driving or parking, collision insurance is typically what applies.
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3. When Another Driver Is At Fault
If someone else caused the scratch or dent, their insurance should cover your repairs.
Examples include:
- Someone scrapes your bumper while pulling out
- A driver hits your parked car and leaves a note
- A neighbor accidentally dents your fender
If the other driver takes responsibility, their liability insurance pays for everything.
4. When Damage Is Recorded as a Hit-and-Run
If someone hit your parked car and didn’t leave a note, the damage may still be covered.
Depending on your policy, this may fall under:
- Uninsured motorist coverage
- Collision coverage
- Comprehensive coverage
It varies by insurance company, but at Pro Car Auto Body Shop we help you determine the correct claim category.
When Insurance Does NOT Cover Scratches and Dents?
There are also situations where your insurance may refuse to pay for repairs.
1. When You Only Have Liability Insurance
If your policy is liability only, it covers damage you cause to others — not damage to your own vehicle.
Scratches and dents on your car will not be covered.
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2. When the Repair Cost Is Lower Than Your Deductible
Example:
- Your deductible is $500
- Your scratch repair costs $300
Insurance won’t pay in this case.
Most scratch and dent repairs cost between $150 and $600 depending on the severity and location.
That’s why many drivers choose to pay out-of-pocket for small repairs.
3. When Wear-and-Tear or Old Damage Is Involved
Insurance does not cover:
- Faded paint
- Old dents
- Rust
- Previous unrepaired damage
Only new, sudden, and accidental damage is typically covered.
Should You File a Scratch or Dent Claim?
It depends on several factors. Before you file a claim, consider:
1. What is your deductible?
If your repair cost is similar to your deductible, it may not be worth filing.
2. Will it affect your insurance rates?
Even small claims can sometimes increase premiums.
3. Do you need documentation for leasing or selling?
If you plan to return or sell your car, proper repairs may be required.
At Pro Car Auto Body Shop, we help you compare the cost of repairs vs. your deductible so you make the smartest decision.
Had an accident recently?
We’re here to handle your repairs — stress-free.
We’re here to help with all your auto body and collision repair needs — from accident damage to paint restoration and full repair estimates. Our expert team is ready to assist you.
How We Help With Insurance Claims?
At Pro Car Auto Body Shop, we assist you through the entire insurance process:
- Damage inspection
- Written estimate
- Insurance claim support
- Photo documentation
- Communication with adjusters
- Repair approval
- High-quality repair service
We make repairs simple, affordable, and stress-free.
Why Choose Pro Car Auto Body Shop in Broward County?
Drivers throughout Broward County rely on Pro Car Auto Body Shop because we deliver high-quality repairs, honest communication, and exceptional customer service.
Experience and Professional Skill
Our technicians have years of hands-on experience repairing scratches, dents, collision damage, paint issues, and structural problems on all makes and models. We use industry-approved repair techniques and modern equipment to ensure your vehicle looks factory-fresh again. Whether it’s a minor surface scratch or deep body damage, we deliver results you can trust.
Insurance-Friendly Service
Quality Repairs That Last
We never cut corners. Every repair is completed using proper materials, manufacturer-recommended procedures, and careful finishing techniques. Whether we’re fixing a single dent or refinishing an entire panel, our goal is to make the repair blend seamlessly with the rest of your vehicle for long-lasting, professional results.
We Fix Any Make & Model
- Car on Rent Available
Fair Pricing
We believe in honest, transparent pricing. You get a clear, detailed estimate before any work begins, and we never push unnecessary services. Our goal is to repair your vehicle properly — not to increase your bill. Customers appreciate that we keep repairs affordable without sacrificing quality.
Lifetime Workmanship Warranty on Many Repairs
We stand behind our craftsmanship. Many of our repairs come with a lifetime workmanship warranty, giving you confidence long after you leave our shop. If something doesn’t look or feel right, we’ll make it right.
Final Answer: Does Insurance Cover Scratches and Dents?
Yes — but only if your coverage includes comprehensive or collision, or if someone else caused the damage.
If your deductible is high or you have liability-only insurance, you may need to pay out of pocket.
When in doubt, Pro Car Auto Body Shop can check your coverage, give you a free estimate, and guide you through the insurance process.
Need Scratch or Dent Repair in Broward County? We’re Ready to Help.
If your vehicle has new damage, don’t wait — early repairs protect your paint, prevent rust, and preserve your car’s value.
Contact Pro Car Auto Body Shop today for:
- Insurance guidance
- Fast turnaround
- High-quality repairs
- Honest pricing
- Professional results
Pro Car Auto Body Shop — Broward County’s trusted team for scratch, dent, and collision repair.
Frequently asked questions
Does insurance always cover scratches and dents on my car?
No, insurance only covers scratches and dents if the damage falls under comprehensive, collision, or another driver’s liability coverage. Liability-only insurance does not cover your own vehicle’s damage.
Is it worth filing an insurance claim for a small scratch or dent?
It depends on your deductible and the repair cost. If the repair is cheaper or close to your deductible, it may be better to pay out of pocket to avoid premium increases. Pro Car Auto Body Shop can help you compare both options.
How much do scratch and dent repairs usually cost?
Costs vary, but most repairs fall between $100 and $900, depending on whether the damage is surface-level, deep, or involves multiple panels. We provide clear, detailed estimates before starting any work.
Will a scratch or dent claim increase my insurance rates?
It can, depending on your insurance company and claim history. Small cosmetic claims sometimes trigger rate increases. We help you understand how filing a claim may affect your premiums before you proceed.
Can Pro Car Auto Body Shop help me with my insurance claim?
Yes. We handle the entire process — estimates, documentation, adjuster communication, photos, and repair approval. Our goal is to make your claim fast, smooth, and stress-free.
Fast, Accurate, and Professional Car Repairs — Every Time.
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& What's you will get:
- 100% Accurate Repairs – Eliminate guesswork and ensure perfect results.
- Restore Confidence – Get professional, precision-based auto body repairs.
- Fast Turnaround – We’ll get your vehicle back on the road quickly.
- Save Time & Money – Skip delays and costly rework with expert technicians.
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