Have You Ever Used Insurance to Fix Dents and Scratches on Your Toyota Hilux?

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Have You Ever Used Insurance to Fix Dents and Scratches on Your Toyota Hilux?

Minor damage might not seem worth an insurance claim, but in some cases, it helps. Have you ever used insurance for bodywork repairs?

Zarnish asked on 11 Feb 2025 12:33:56 pm

1 Answer

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Car Mechanic Expert - on 11 Feb 2025 12:36:46 pm

Using insurance for minor dents and scratches depends on several factors:

Comprehensive Coverage: Covers damage from vandalism, falling objects, o r accidents.
Deductible Consideration: If the repair cost is lower than your deductible $500–$1,000, paying out of pocket might be a better option.
Claim Impact on Premiums: Frequent claims may increase insurance rates.
When to Claim:
If the damage is extensive multiple panels affected.
If it was caused by another insured driver they can cover the costs.

For small dents and scratches, DIY o r professional repair without insurance is often more cost-effective.