"Insurance That Comes with an Agent"
Agents Standing By | 225.292.7680
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Health Insurance HEALTH

Learn about different health coverage options that fit your specific needs.

Read More
Boat Insurance BOAT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

Woman on the Phone in front of car accidentAuto insurance provides protection for vehicle owners from a wide range of thefts. In some cases, it can cover even small losses you may have, such as damage to the paint.

Should you file a claim with your car insurance for paint damage? This depends on the circumstances involved in your case. It is always a good idea to work with your agent to find out more about what your policy will cover specifically.

Does Your Policy Cover Paint Damage?

Comprehensive car insurance will usually cover paint damage from some types of incidents. Collision insurance may also provide coverage for you. These are specific forms of insurance you must buy in order to get coverage.

Comprehensive coverage provides financial protection from incidents ranging from fire, theft, vandalism, and weather. The specific coverage depends on your policy. Collision insurance covers damage caused by your collision with another vehicle or object.

If you only have liability insurance, you may not have coverage for the paint damage. This type of auto insurance covers only the other drivers or property losses you cause to others.

What Is the Cause of the Damage?

In order for your policy to help you, it must be clear what caused the damage. Policies do not cover normal wear and tear. They also do not cover peeling paint or rust. But, if you have damage brought on by a scratch from another vehicle, it may provide you with protection.

How Much Is Your Deductible?

The next question to ask your auto insurance provider is what your deductible level is. You will have to pay the deductible first before the insurer pays you for the damage. For example, if you have a $500 deductible, and the paint damage is only $250, it will not pay you anything.

If the paint damage is more, perhaps $800, the insurer will pay you $300. Depending on the extent of the damage and the level of deductible, you may not find benefit in filing a claim. Too many claims can also lead to an increase in your insurance costs later.

If you have damage to your vehicle, take action to get it repaired. Work with your car insurance provider to find out if you have protection and how much coverage is available. Filing a claim only takes a few minutes. Update your policy to ensure it offers this type of protection.

We have your coverage needs in mind. Call The Louisiana Insurance Center at (225) 292-7680 right now. We can get you a fast, free Baton Rouge auto insurance quote.

Also Read: What Happens If an Uninsured Motorist Hits Me?
Posted 2:06 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016

View Mobile Version
© Copyright. All rights reserved.
Powered by Insurance Website Builder