Minor Dents and Scratches: Can You Claim Car Insurance?

If you have ever noticed a new scratch or dent on your car, you may have wondered what action to take. You may be unsure whether it is worth claiming on your car insurance or if you should pay for it out of your pocket. Minor cosmetic damages are a common issue for car owners and they can be frustrating to deal with, especially if you are unfamiliar with the process. 

Firstly, it’s important to understand that you can claim car insurance for those minor dents and scratches as well, but there are certain things you need to consider before doing so. For instance, you must check your policy to see whether the damage is covered.

The process for reporting the claim after minor damage is simple. Contact your insurer and let them know about the damage. They will then arrange for an assessor to inspect your vehicle and provide a repair quote. After receiving the quote, you can decide whether to proceed with the repairs or not.

Understanding your coverage

Before contacting your insurance provider about a minor scratch or dent, it’s important to understand what your car insurance policy covers. Not all policies are created equal, and the specifics can vary widely:

– Comprehensive coverage: 

Comprehensive coverage is a type of auto insurance that provides extensive protection for your vehicle against damages resulting from unforeseen incidents. This may include minor dents and scratches, theft, fire, and natural disasters. With comprehensive coverage, you can be at peace knowing that your car is safeguarded against a wide range of potential risks, giving you financial protection and security on the road.

– Own damage coverage:

Own damage coverage is a stand-alone coverage for your vehicle against damages resulting from unforeseen incidents. This may include minor dents and scratches, theft, fire, and natural calamities coverage to your vehicle. 

Though, third-party insurance is mandatory in India, it may not cover own damages claims for minor dents and scratches.

Pro Tip

Always check your policy details or chat with your insurer to clarify the damages covered under your plan.

Is It Worth Claiming on Car Insurance for Minor Dents and Scratches?

Should you even bother for minor dents & scratches in a car insurance claim? Here are some factors to consider:

– Deductible Costs: 

Car insurance policies usually include a deductible cost, which is an amount you have to pay out of your pocket before your insurer covers the remaining cost of the damages. If the cost of repairs is equal to or close to your deductible, it may not be worthwhile to file a claim.

– Impact on Premiums: 

If you file a claim for minor damages, your insurance provider might increase your premiums and you will lose no-claim bonus accumulated by not claiming in previous years. It’s important to consider the immediate benefits of filing a claim, such as financial compensation for the damages and the potential future costs of increased premiums. Taking the time to weigh these factors can help you make an informed decision about whether or not to file a claim.

– Claim Process:

It’s important to consider all aspects of the situation before deciding, including applicable deductibles or waiting periods. Taking the time to weigh the pros and cons can help you make an informed and better decision and avoid unnecessary hassle or disappointment.

Should You File a Claim?

– Yes, if the total cost of repairs significantly exceeds your deductible and you have comprehensive/own damage coverage.

– No, if the repair costs are near or below your deductible or you want to avoid a potential increase in premiums.

How to File a Claim for Minor Dents and Scratches

If you decide to go ahead with minor dents & scratches in your car insurance claim, here’s a simplified process to follow:

1. Document Everything: 

Take photos of the damage from multiple angles. Ensure the date and time settings on your camera or smartphone are correct.

2. Report Immediately: 

Contact your insurance provider as soon as possible. Delays can sometimes complicate the claims process.

3. Get an Estimate: 

It’s important to get a repair estimate from a mechanic you trust. Note that insurance provider require you to work with their approved service providers.

 Key Tips

– Keep all receipts and documentation related to the damage and repair.

– Be honest and thorough about the incident to your insurer.


Knowing how to use your car insurance for minor dents and scratches can save you a considerable amount of time and effort. To decide whether to file a claim or pay out of pocket, consider cost-effectiveness and how your premiums may be affected.

Remember that car insurance protects you from significant financial losses, not just minor inconveniences. If the situation calls for it and if it’s financially sensible, file a claim only then, as the insurance can be of great help in such cases. 

Interesting Related Article: “Choosing the Right Car Insurance Policy