The Benefits of Scratch and Dent Insurance and the Peace of Mind it will Provide


There is a vital need for scratch and dent insurance in today’s world. This is due to the fact that other drivers on the road are careless at times. This specific type of insurance will provide comfort to the owner of the vehicle when the sound of screeching metal to metal is heard when in a parked car or on the road.

No matter if your vehicle is damaged in a parking lot after you walk away, parked on the street or driving on the road, the appearance of your vehicle will be protected by this insurance and the blemishes will be repaired. This makes it easy to keep the vehicle’s appearance as good as possible when you are arriving at your destination.


Types of Damage that is Covered

It is easy for a scratch to appear on your vehicle’s finish. It can be when going through a car wash, sitting in a parking lot, driveway or when contact with a hard object occurs. Not only are small dents, chips and scratches on the body covered with this insurance, but also the wheels and rims of the vehicle.


Specific causes of damage covered include when a tree falls on the vehicle, when a shopping cart collides with the body work, if some malicious individual scrapes the finish for any reason immaterial of their intent, when contact is made on or off the road with another vehicle or a stationary object like a pole or mail box.

Specific causes of damage covered include when a tree falls on the vehicle, when a shopping cart collides with the body work, if some malicious individual scrapes the finish for any reason immaterial of their intent, when contact is made on or off the road with another vehicle or a stationary object like a pole or mail box.

What Type of Vehicle are Covered


No matter if your vehicle is a new one just off the showroom floor or one purchased second hand, scratch and dent insurance can be purchased to help protect its appearance. This way no matter what your vehicle goes through in its lifetime with you, the appearance will be unblemished. This will help your vehicle to retain its value. This is especially important for those that know ahead of time they will eventually resell their vehicle in the future.



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Reasons to have Scratch and Dent Insurance

While no one can predict when or where their vehicle will become damaged, the fact is that over its life time blemishes will appear on its exterior. With this specific type of insurance, the repairs can be made without a great deal of funds being forked over by the owner.  Most damage of this type covers an area of less than 150 mm or about 6” and in most instances less than 3 mm or 1/10” deep. For most working people, the cost of this repair is just not in the monthly budget. When the repairs are covered by scratch and dent insurance, the appearance of the vehicle can be restored without negatively affecting the family income.

By carrying scratch and dent insurance on your vehicle from the time of purchase, the resale value of your vehicle will be retained. This will make it possible to for the owner drive and park your new mode of transportation with peace of mind that even if an event out of their control damages their vehicle, they have the coverage to get it repaired as good as new.


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