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It might be easy for you to decide whether or not to file a claim in case your car gets damaged in a major accident. But what if it’s a minor accident with just a few dents and scratches to your vehicle? Does your insurance policy cover such damages? Is it even worth filing a claim for the same?
Your insurance policy may cover minor damages, but it may not be cost-effective every time to get the repair expenses paid by the insurance company. Sometimes, you can choose to pay for your losses if you can get them fixed at a reasonable cost. As per experts, this is a cost-effective move.
Minor damages including scratches and dents may deface the paint of the vehicle or lead to flaws in the looks, but do not affect its functionality. So, damages like getting your car keyed or hit by road debris and more leave a mark on your car. These marks are not that significant that stop you from driving the vehicle or make you take your vehicle to the repair shop immediately.
Such losses are usually covered by comprehensive or collision insurance coverage. But make sure you consider the deductibles before filing a claim to check that it benefits you. Keep reading to check the types of scratches and dents that your insurance policy covers and does not cover.
Here are some possible types of scratches and dents covered by a car insurance policy in the UAE.
Here are some possible scenarios when scratches and dents are not covered by a car insurance policy in the UAE.
Sometimes even if you have the scratches and dents covered in your insurance policy, you should not file a claim for the same. This is because filing a claim may lead you to an increase in the insurance premium. So, if the damage is minor, you must try to fix it all by yourself. It may cause you even more to pay the amount of a deductible.
For example, you get a scratch on your car that you can get repaired in around AED 100. Reporting an insurance claim for such instances wouldn’t make any sense if your deductible costs you AED 500. However, if the expenses for the repair cost are more than the cost of the deductible, you can consider filing a claim and getting the same paid by your insurance company.
In case you have hit a third-party car or if there are any injuries in the accident, you must also report the same to the police and get an accident report created before filing an insurance claim. In case the injuries and damages caused are minor, you can try settling the matter with the other driver and avoid involving the insurance company into it at all.
We hope this article helped you find answers to your queries. To get more clarity on the types of scratches or dents your insurance policy covers, you can contact our help and support team. We are also there if you want to buy a comprehensive car insurance policy to cover all types of damages and losses. You can simply give us a call and get all things sorted at once. Our professionals will analyse your needs and advise accordingly.
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