In Florida, a car is more than just a means of transportation—it’s a symbol of identity. The brand, style, color, and cleanliness all reflect the personality of its owner. It’s no surprise that car washes are packed on weekends—a shiny car is a source of pride for many Floridians.
That’s why discovering a scratch, dent, or the first mark on your car’s body can be frustrating.
Which Coverages Protect Against Scratches and Dents?
The good news is that if you have collision coverage, your policy will protect your vehicle from damages caused by a collision with another car or a fixed object, such as a traffic sign or a wall corner.
Meanwhile, comprehensive coverage (also known as full coverage) covers damage caused by vandalism, falling objects, or even an animal hitting the vehicle.
Is It Worth Filing a Claim?
Before reporting a scratch or dent to your insurer, consider your policy deductible. If the repair cost is lower or barely exceeds that amount, it might be more cost-effective to pay out of pocket instead of affecting your claims history.
Final Thoughts
If you have collision and comprehensive coverage, your car is protected against scratches and other minor damages. However, evaluating whether to file a claim is essential for keeping your insurance affordable in the long run.
If you need help understanding your policy details or want to find a more affordable auto insurance plan, contact Univista Insurance today!
Vehicle 
Home & Property 
Commercial 
Life 
Health