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Auto Insurance Claims/What coverage will pay unknown vehicle body damages after shopping from the store?


I went to the Wal-Mart. After I went to home I found a scratch on my vehicle. I do not know how and when it happened. What coverage will pay for such unknown damages, comprehensive or collision?

Hi Ray,

Ray, you don't describe the scratch.  If the damage was caused by the hit and run driver, that would be a Collision claim.  If it appears to be "keying", that is intentional vandalism, the coverage would be Comprehensive.

Either way, you would be responsible for your deductible.  Good idea to get an appraisal at a responsible body shop.  If the damage is less than your deductible, you do not have a claim.

If the damage is equal to or only slightly higher than your deductible, you might want to avoid a claim.  Depending, of course, on the amount of your deductible and your claims history.

Good luck.

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Jane Pytel


I can answer questions related to auto accidents, auto damage, auto theft claims, or personal injury claims. I am specifically suited to answer questions concerning insurance investigations and the effects of those investigations such as claim delays, claim denials, examinations under oath, or the special investigations unit. I can answer most any question that relates to proper claims investigations, or claims handling procedures and processes. I have authored several ebooks which provide claim guidance for consumers. Those books are available on Amazon Kindle: Power To Profit - will provide you with the knowledge you need to overcome the patterned obstacles that insurance companies will use to delay, devalue, or deny your valid insurance claim. The No Nonsense Guide to Accident Settlement - Teaches you how to manage your claim, how to identify the precise tactics likely to be used against you, and how you must respond.


12 years of experience with 3 major insurance companies. I hold an all lines adjusters license in Florida. I am well versed in claims handling, claims investigations, and industry standards related to both. The bulk of my experience stems from my 10 years as a police officer / detective. Building on that investigative experience, I became an SIU (Special Investigations Unit) Investigator. Accordingly, my unique expertise lies in the investigation of claims. What is necessary and related, what is not necessary and related? What constitutes a fair claims investigation? What recourse is available for consumers who suspect they are experiencing unfair claims delays? During the course of my experience, I became a certified trainer, instructing adjusters and investigators proper techniques for claims investigation and claims handling.

B.A., Communications, University of Miami 350 credit hours of intense investigative training, Miami Dade Police 80 hours of investigative training, various Federal Agencies, Miami, Fl Intensive Accident Reconstruction and Pedestrian Injury Analysis, NHTSA, National Highway Traffic Safety Agency, Oklahoma City, OK 2 weeks Auto Damage Appraisal, Winston Salem, NC Legal Principles Claim Specialist, AEI

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