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I have a brand new car that has a 3 foot long scratch on the driver side after being parked on the street. It starts over the left front tire and ends towards the driver side door. I am taking it tomorrow to see if it can be buffed out, but if not I am going to take it to an auto body shop. How do I find out how much it costs? Next to property damage, it says $317. Is this my deductible? And how much I would have to pay? Can someone please explain this to me?
I've never reported a claim or anything. I usually just go to an auto body shop and pay, but this scratch is pretty long.
No, my deductible is $500. That seems a lot to me for a scratch. It's long, but its no bigger than an inch wide, my car is a dark color so it isn't too noticeable. I think I am going to just see if I can get it buffed out.
From your quick description..... $317 doesn't sound bad... If it can't be buffer out. It's hard to blend in and match paint. Go scratch a wall in your house. How long does it take to fix that?
A scratch would be covered under Comprehensive which is any damage that is non-accident collision related. The deductible is unlikely to be $317 as it will be a whole number such as $100, $200, or $500 which you chose at the time. The $317 is probably your premium cost for this coverage. You need to call your insurance company to find out your deductibles and write them down on your policy so you know them. They are seperate amounts for comprehensive and collision. Fyi, glass may or may not be covered under comprehensive you should ask so you know. Also find out if comprehensive claims affect your premiums when you are talking to them.
When you have damage the body shop will give you an estimate of cost and you may need more than one from more than one place before having any work done. The insurance company may want to inspect any damage before work is commenced to approve it and let you know how much they will pay based on the estimates of work. Estimates are generally free but may not be. You can have this done without penalty for decision making purposes. It is when you actually file a formal claim that it may (or may not) effect your insurance. I agree that it may be better to pay this incident out of pocket.
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