If you own a car, you know that paint scratches are inevitable. Living in Canada can make this even more of a problem, as our harsh winters and salt-covered roads take their toll on your vehicle’s exterior. While some people might think about going to the body shop every time they have a scratch, it is important to be aware of what does or does not come under the coverage of your policy with Canadian insurance providers.
In 2017, The Canadian Insurance Adjusters Association (CIAA) released statistics earlier this year about the most common damages incurred by drivers. Paint scratches were at the top of that list, with over 25% of all claims involving these types of damage to a car’s exterior. If you have been wondering what your auto insurance policy covers when it comes to paint scratches, read on to find out.
Does car insurance cover scratches?
Yes, car insurance does cover paint scratches but it depends on what type of coverage you have on your policy and how the damage was caused. If you got into an accident with another vehicle then collision coverage would apply. There doesn’t need to be major damage for you to file a claim, however, it may be wise to pay for the repairs yourself if it’s just a small scratch. Comprehensive coverage protects you against incidents where there was no collision, like vandalism.
In Ontario, collision and comprehensive coverage are not mandatory so it could be possible that you won’t be covered in the event of a scratch if you’re only carrying the minimum coverage. If your vehicle was damaged by another at-fault driver, it may be possible that the driver’s third-party liability insurance will cover your claim. Discuss this with your insurance company to see if it applies to your situation.
It’s important to remember that your car insurance won’t cover paint or scratch damage caused by wear and tear, deterioration, or weathering. In most cases, you won’t be able to claim paint damage from the result of ongoing weather damage (rain, sand, salt, etc.) however, you may be able to make a comprehensive coverage claim if your paint was damaged by a single event.
Should you make a claim for paint damage?
This depends on the cost of the repairs and your deductible amount. If the damage to your car is less than your deductible and you can pay the damages out of pocket, it’ll most likely save you money to handle the repairs without filing an insurance claim.
How much does it cost to repair paint scratches on a car?
The cost of fixing paint damages on your vehicle depends on how big of a job it is. It’ll be more expensive if you’re getting a full paint job with additional protective coatings vs. if you’re just getting a touch-up.
Typically, you can expect to pay a couple of thousand dollars for a full paint job or a couple of hundred dollars for a basic touch-up.
Full Paint-Job: A full body paint job involves sanding and repainting the car’s exterior for a consistent finish. This is usually more expensive than just touching up an area, considering how much work goes into it and what materials are involved. For those interested in getting this done on their cars, be prepared to shell out several thousand dollars!
Touch-Up: A touch-up is a cosmetic fix that can cost up to $1,000. It’s mostly focused on using synthetic enamel paint to match the color as close as possible.