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Does comprehensive insurance cover dents and scratches caused by a snow shovel?
It snows frequently where I live, and I often hire local kids to shovel my driveway. This morning, I found a few scratches and dings that could have only been caused by neighborhood kids shoveling the driveway. Will my comprehensive insurance cover this?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“In all likelihood, you’re probably covered. To the insurance company, this likely falls under the umbrella term of “”vandalism.”” Even if the scratches and dings were unintentional, you still weren’t told about them and left to pay for the repairs.
While your
comprehensive coverage
should cover this, you still have to think about the overall cost. Most comprehensive policies have a $500 deductible, meaning you have to pay $500 out of pocket and the insurance company pays anything over that amount. If the damage costs less than $500, or even just over $500, you may not want to file a claim. If you do, your rates may go up. Plus, you might experience less hassle by just paying out of pocket.
Make sure to get an estimate to see how much the damage costs just to be on the safe side.”
View full answer
- Gregory R.
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