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Car insurance can be a lifesaver when it comes to unexpected accidents or incidents on the road. However, when it comes to minor scratches and dents, many drivers wonder if their insurance policy will cover the cost of repairs. Let's see if car insurance in Dubai covers scratches and dents, and what the rules and policies are.

Will Car Insurance Pay For Repairs to Scratches and Dents on a Vehicle?

Though scratches and dents can detract from a car's appearance, they typically don't impact its performance. These types of damages, such as those caused by keying or road debris, can mar the vehicle's paint. However, they are not usually severe enough to require immediate repair or prevent the car from being driven. Such damages are typically covered by comprehensive or collision insurance coverage. If you file a claim for minor damage, it could increase your insurance premium. In such cases, it might be more practical to handle the repairs yourself, as the deductible may be more than the cost of repairing the damage.

Types of Dents and Scratches Car Insurance in Dubai Covers

• Scratchy Bumper: If you have an accident where you collide with another vehicle and it causes scratches to your bumper, your car insurance broker in Dubai will provide coverage for the damage under the collision coverage policy. Additionally, your insurance company will also pay for damages caused to the other party involved in the accident.

• A Deer Collision: If your vehicle sustains any damage from an animal, such as dents and scratches, your comprehensive auto insurance policy will provide coverage.

• Squirrel Damage to Car Wires: If your car wires are damaged by a squirrel, rendering it inoperable with minor scratches, your comprehensive auto insurance policy will cover the cost of repairs.

• Car Vandalism: Comprehensive auto insurance policies in the UAE cover instances of vandalism, such as damage to your car doors, spray paint, broken windows from attempted break-ins, and other similar acts caused by an unknown third party.

• Vehicle Damage from Road Debris: Comprehensive auto insurance also includes coverage for damages caused by accidents involving rocks, cargo, or other debris on the road. However, if you cause damage by hitting an object on the road, such as a rock or another car's bumper, it will be considered a collision loss. 

Types of Dents and Scratches Car Insurance Doesn’t Cover

• Damage from normal wear and tear 

• If the scratches and dents were intentionally caused

• If a claim is not reported within the specified time frame

• If the damage occurred at a location that is not covered by the insurance policy

• If the car owner does not have a comprehensive car insurance policy

Car insurance policies can cover a variety of scratches and dents, but the extent of coverage depends on the damage's circumstances and the policy's specifics given by various insurance companies in Dubai. Drivers should review their insurance policy to understand what damages are covered, how to file a claim and any potential impacts on their premiums.