Car Insurance Scenario
You have to pick something up from the grocery store for dinner on your way home from work. The parking lot is absolutely packed. You feel like the luckiest person in the world when you find a spot close to the doors! You hop out and run in to get your things. When you come back out you see that someone has keyed the entire side of your car. What can and should you do about deep paint scratches?
How Much Does it Cost to Fix Extensive Paint Scratches?
Like most repairs, the cost to repaint a car can vary depending on the damage and the type of vehicle.
However, let’s assume that one entire side of the vehicle is severely damaged. On the cheap side, a single-stage enamel paint that basically just refreshes the look of the car can run between $300 and $1,000 depending on the vehicle. In this scenario, you’re probably going to need some repair work and a more detailed paint job due to the massive scratches which will most likely push the price range up to $1,000 to $3,500.
If you’re looking for a top of the line paint job or are driving a luxury vehicle, the cost of repainting a car can easily skyrocket up to $7,000.
Your Insurance Coverage
Collision coverage helps pay to repair your car if it’s damaged in a collision with another vehicle or object. Generally, collision coverage comes into play because a driver gets into a car accident. If you cannot find the other driver, you may be able to file a claim under your policy’s collision coverage.
Comprehensive coverage pays to repair or replace a covered vehicle that’s stolen or damaged by something other than collision. There are many scenarios that should be covered under comprehensive. For example: fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal.
Should You File a Claim?
In many circumstances, when you’re not at fault, a comprehensive claim may not raise your premium. It’s best to talk to your experienced, local independent insurance agent to see what is right for your situation.
Previously in this series: Essential Car Insurance | Bumper Damage
Next in this series: Essential Car Insurance | Cracked Windshield
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PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:
“I have been dealing with Erica Gates for almost 8 years now. She has helped me with my house insurance, car insurance adding my wedding ring to my home owners insurance and now with my earthquake insurance. Erica does what she says she’s going to do, whether it’s check on something for you or return your phone calls. She has been “OUTSTANDING” since day one. You just don’t find people like Erica everyday. Her customer service has been above and beyond. A real keeper. Thanks Erica for all that you do.”
Norma Gold – Winchester, CA 92596 – Client Since 2010
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