Yes, if you scratch your car, your insurance will cover the repair however:
you will have to pay the deductible first,
this will be on your "record" with the insurance company,
your rates could be adjusted, being raised due to the claim,
and, do you have the right coverage which you can file the claim?
You need to consider what the cost is versus the consequences of reporting the damage. The may cover it as well depending on what they see.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Maybe. There are several sections to an auto policy. Your insurance policy will have at least one of the sections but will not necessarily have all of them. Section V in most policies describes the coverage for physical damage. A scratch on your car is “physical damage.” This is further divided into Comprehensive coverage which would address your scratch if the vehicle was not in a collision. The other coverage is collision. Your policy may have comprehensive but not collision insurance, or the reverse. If you have physical damage coverage there will be a deductible identified which must be satisfied before the insurance company pays anything. These deductibles are not necessarily going to be equal.
If you have comprehensive coverage (damage to your car, other than collision) then you have coverage to repair the scratch. However, it may not be wise to do so. For one thing, you will have a deductible that you will have to cover before the insurance company pays you anything. And insurance companies don't like it when customers constantly file very small claims. Most likely your insurance company will raise your premium to cover the additional overhead of handling all over your small claims. It's not uncommon for an insurance company to non-renew a policy for a customer that constantly files many small claims.
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you will have to pay the deductible first,
this will be on your "record" with the insurance company,
your rates could be adjusted, being raised due to the claim,
and, do you have the right coverage which you can file the claim?
You need to consider what the cost is versus the consequences of reporting the damage. The may cover it as well depending on what they see.