A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 14, 2021

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Important facts to know...

  • Every auto insurance policy that is issued to drivers has different options in terms of the coverages you can select
  • If you only have the bare minimum for what is legally required in terms of auto insurance, you probably do not have any coverage for damage to your car that was your fault
  • If you have extra coverages on your policy, you can file a claim for damage to your car regardless of who was responsible for causing it
  • If you are responsible for the damage to your car, then you will pay a deductible when you file an insurance claim for your car to be repaired
  • You should get at least one estimate for the cost of repairing a dent in your car before going forward with filing a claim for that incident

If your car sustained minor damage, resulting in a visible dent, auto insurance will provide coverage for a dent in your car as long as you have the right types of coverage on your policy.

If another driver hit you in an accident and left a dent in your vehicle, then you would be able to recover directly against his or her auto insurance in a tort-based state. Otherwise, if the dent in your car is your fault, then you should be prepared to pay your deductible before getting your car repaired.

To get the adequate coverage you need, compare insurance quotes today! It’s easy and FREE!

How to Repair a Dent from Another Driver

Most states in the country are tort-based jurisdictions for insurance, which means that if another driver causes damage to your car, you recover by filing a claim against his or her insurance policy.

In this case, you would not have to pay a deductible to have the damage to your car fixed by the other driver’s insurance company.

You should not worry about filing a claim if the accident and damage were not your fault. They will not affect your auto insurance premiums for your next policy term. You will also not have to pay anything out of your own pocket in order to get the other driver’s auto insurance company to take care of the damage.

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How to Handle a Claim for a Dent

If you dented your car by either hitting another car or object, you may be able to recover from your own insurance company for the damage. The way that you would recover is by filing a claim through your collision or comprehensive coverage.

Your collision coverage will be used if you hit another car. However, if you have a dent in your car from a falling object or something else not related to an auto accident, then your comprehensive coverage will be used.

With either of these coverages, you will have to pay your deductible in order to recover for repair costs, which is why your first move should be to get a reasonable estimate on repair costs for the dent.

If the cost of repairing the dent is going to be less than your deductible, then it would not be worth your while to file a claim. If the cost is only slightly more than your deductible, then you still might not want to file a claim because it could mean that you end up paying higher rates for the next policy term.

So, if it’s a small amount of damage, it’s simply not worth filing a claim because you will face an increase in premiums, especially if your vehicle is older or a less expensive model. If you still want to get it repaired, you would save more money by paying out-of-pocket. If you file a claim, your insurance carrier will consider it an at-fault collision, resulting in higher premiums.

How to File a Claim on Your Car Insurance for a Dent

With certain auto insurance coverages, it is possible to file a claim for a dent on your car without having to establish who was at fault for causing the damage. The coverages that you would need to be able to file a claim for a dent in your car are collision coverage or comprehensive coverage.

The way that the claims process works is that you will have to pay a deductible for a certain amount of the repair before the car insurance company pays for the rest.

It is always a good idea to get an estimate on the cost of repairing the damage before going ahead with filing a claim.

You would not necessarily want to pursue a claim for damage that will cost less than or up to the amount of your auto insurance deductible.

What’s the cost of repairing a dent in your car?

You might realize from going through the process of filing a claim that your deductible is too high for you to benefit from having optional coverages. Instead of simply raising your deductible so that you can pay a lower monthly rate on car insurance coverage, there are other ways to get a discount on your rate.

Talk to your insurance agent to find out if there are existing discounts that you might not be taking advantage of right now. If you can’t get discounts from your agent, it could be worthwhile to check into what other rates could be available for you from other companies.

You might find that you can pay hundreds less per year for auto insurance coverage just by going with another auto insurance provider.

No matter how careful you are, accidents happen and you will want to get your dents fixed to avoid further damage. So, you might be wondering whether car insurance cover dents. Well, it depends on the cause and the coverage you have.

If the dent is caused by an accident, the collision insurance coverage will cover it, provided that you aren’t at fault. Any other accident damage that is not a result of a collision is covered by comprehensive insurance.

However, you should consider your deductible when making claims, because both collision coverage and comprehensive coverage have a deductible amount (the money you pay before the insurance company pays for the rest of the cost).

After all, it is your decision whether to file a claim on your car insurance for minor damages. It depends on the cost of repairs whether or not you want to file a claim. So you should weigh your options before you decide.

To get different car insurance quotes in your area, you can start by going online to compare rates. The information is totally free and can end up saving you a substantial amount of money in auto insurance premiums. You may find that you do not have to sacrifice coverage to get a more reasonable rate.

To compare car insurance quotes now, simply enter your ZIP code below!