Does Car Insurance Cover Dents?

A crowded parking lot is a common place for drivers to get a ding or dent on their car, whether from a shopping cart or another car door. Body work is pricey, so it may be difficult to come out of pocket to fix it. Unfortunately, most basic insurance plans do not cover dings or dents on your car.

Dents Under Different Insurance Plans

Liability coverage only pays for repairs to the other driver in the event of an accident that’s your fault. Collision insurance covers both you and the other driver in the same incident, including when a parking lot was the site of the accident. Comprehensive insurance covers dents caused by acts of nature, falling debris, and other incidents that are out of your control.

When you report a dent to your insurance company, an adjuster inspects the vehicle to determine fault, which type of coverage applies to the incident, and whether you have the insurance you need to pay for the damage. The insurance company may not cover the dents for a few different reasons, such as the damage occurred too long ago or it looks to be self-inflicted or non-accidental.

Unfortunately, most basic insurance plans do not cover dings or dents on your car. 

Does car insurance cover dents for Paintless Dent Repair?

Some insurance companies do offer coverage for dents through Paintless Dent Repair. This is an industry-recognized repair process that removes dents from a car’s exterior panels without ruining the paint finish. The repairer uses specialized tools to either push on the panel’s backside or bond a “tab” or other device to the panel’s exterior to pull the dent out from the front. Either way removes dents without needing to repaint or refinish the dent’s surface.

Insurance companies sometimes authorize Paintless Dent Repair under certain conditions. For example, the provider may require you to visit one of its authorized repairers, have the provider pay for the repairs directly, or have the service listed on the repair estimate.

Dents happen at any time, so if you want to be prepared with the right car insurance, call us at 855-462-2213 so that we can guide you toward the best policy for your needs.