{"id":2987,"date":"2026-07-09T12:25:56","date_gmt":"2026-07-09T12:25:56","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=2987"},"modified":"2026-07-09T12:25:59","modified_gmt":"2026-07-09T12:25:59","slug":"does-georgia-car-insurance-cover-scratches","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/does-georgia-car-insurance-cover-scratches\/","title":{"rendered":"Does Georgia Auto Insurance Cover Scratches?\u00a0"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"c-article\">\n        <div class=\"o-wrapper o-wrapper--small\">\n                                                            <picture class=\"c-article__pic\">\n                    <img decoding=\"async\" class=\"c-article__img\" loading=\"lazy\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-1.jpg\" alt=\"Man reacts with concern while inspecting damage on his car in a parking garage and wondering if auto insurance cover scratches.\" width=\"320\" height=\"160\">\n                <\/picture>\n                                        <div class=\"c-article__content\">\n                <div class=\"s-cms-content\">\n                    <p><span data-contrast=\"auto\">Finding a new scratch on your car is frustrating, but the question that follows is often more stressful: will your auto insurance actually cover this? The short answer depends on what <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/auto-insurance\/types-of-car-insurance\/\"><span data-contrast=\"none\">type of car insurance<\/span><\/a><span data-contrast=\"auto\"> policy you carry and how the damage happened. If you have collision coverage or comprehensive coverage, your insurer may help pay for repairs after you meet your deductible. If you only carry liability coverage, you\u2019re on your own for scratches to your own vehicle.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This guide walks you through exactly when insurance for car scratches applies, when it doesn\u2019t, and how to decide whether filing a claim makes financial sense.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">How Car Insurance Can Cover Scratches and Minor Damage<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Whether your car insurance cover scratches depends entirely on two factors: the type of coverage you carry and the cause of the damage. A keyed door in an Atlanta parking lot triggers different coverage than scraping a pole while backing up.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Here\u2019s how each coverage type applies:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/7-reasons-you-need-collision-coverage-in-georgia\/\"><b><span data-contrast=\"none\">Collision Coverage<\/span><\/b><\/a><b><span data-contrast=\"auto\">:<\/span><\/b><span data-contrast=\"auto\"> Covers scratches to your own car after you meet your deductible. Common scenarios include fender benders, backing into posts, and scraping guardrails.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/what-is-comprehensive-and-collision-insurance\/\"><b><span data-contrast=\"none\">Comprehensive Coverage<\/span><\/b><\/a><b><span data-contrast=\"auto\">:<\/span><\/b><span data-contrast=\"auto\"> Covers scratches after deductible for damage from vandalism, hail, falling branches, and theft attempts.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><a href=\"https:\/\/www.southernharvestinsurance.com\/auto-insurance\/liability\/\"><b><span data-contrast=\"none\">Liability Coverage<\/span><\/b><\/a><b><span data-contrast=\"auto\">:<\/span><\/b><span data-contrast=\"auto\"> Does not cover scratches to your own car; it only pays for damage you cause to other vehicles.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Uninsured Motorist Property Damage (UMPD):<\/span><\/b><span data-contrast=\"auto\"> Available in some states, including Georgia, this coverage may pay for scratches caused by hit-and-run incidents or uninsured drivers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Uninsured Motorist Property Damage coverage may assist with repair expenses if your vehicle is damaged by an uninsured driver or involved in a hit-and-run, subject to your specific policy terms and state regulations.This matters in urban areas where 15-20% of incidents involve unidentified drivers.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Understanding Coverage Types: Collision, Comprehensive, and Liability<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Not all auto insurance works the same way. Knowing your coverage types is the key to understanding whether your insurer will cover scratches and other vehicle damage.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Collision coverage helps pay for damage to your car after an impact with another vehicle or object, while comprehensive coverage protects against damage that isn\u2019t caused by a collision, such as theft or natural disasters. Having both collision and comprehensive coverage is often referred to as having \u201c<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/what-is-full-coverage-auto-insurance\/\"><span data-contrast=\"none\">full coverage<\/span><\/a><span data-contrast=\"auto\">\u201d on a vehicle, which is not typically required but may be necessary if you have a loan or lease on the car.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Liability coverage, meanwhile, exists solely to protect other people, not your own vehicle.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Collision Coverage: When Scratches Are From an Impact<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Collision coverage applies when your car sustains damage from hitting something like another vehicle, a mailbox, a concrete bollard, or a guardrail. The cause of the accident doesn\u2019t matter; collision pays regardless of fault.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Common scenarios where collision coverage may cover scratches:<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Backing into a concrete post in a Columbus apartment garage<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Scraping another car during a low-speed parking lot incident<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Sideswiping a pole while parallel parking<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">If you have collision or comprehensive coverage, your insurance may cover scratches and dents, but you will need to pay your deductible before the insurance starts to pay for repairs. Deductibles typically range from $100 to $2,000 across major insurance companies.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/how-car-accident-fault-is-determined-in-georgia\/\"><span data-contrast=\"none\">At-fault collision claims<\/span><\/a><span data-contrast=\"auto\"> can raise insurance premiums by 20-40% at renewal, with drivers who file multiple claims facing up to 50% increases over three years. Your vehicle\u2019s make and model also play a role in how insurers price your policy, since some cars are more expensive to repair or replace than others; understanding <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/car-make-model-insurance-rates\/\"><span data-contrast=\"none\">how car models impact insurance rates<\/span><\/a><span data-contrast=\"auto\"> can help you anticipate potential cost changes after a claim. Before filing, get a repair estimate and compare it to your deductible to see if the claim makes more sense than paying out of pocket.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If the cost of repairs is less than your deductible, your insurance will not pay for the damage, making it often more sensible to handle minor repairs out of pocket.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Comprehensive Coverage: Scratches From Non-Collision Events<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/comprehensive-car-insurance-in-ga\/\"><span data-contrast=\"none\">Comprehensive insurance protects<\/span><\/a><span data-contrast=\"auto\"> against damage from events outside your control that don\u2019t involve a collision. This includes vandalism, weather events, falling objects, and animal-related incidents.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Examples of comprehensive-covered scratches:<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Keyed doors discovered in a city parking lot<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Deep gouges from a fallen tree branch during a windstorm in Macon<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Scratches from an attempted break-in or theft<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Paint damage from hail during Southeastern storm season<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Comprehensive coverage also carries a deductible, though comprehensive claims typically have milder premium impacts, around 10-20% increases for first-time vandalism, since they\u2019re no-fault events.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you suspect vandalism, document the damage with photos and file a police report. This boosts approval rates to around 90% according to industry data, and protects you if disputes arise later.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Liability Coverage: Why It Doesn\u2019t Fix Your Own Scratches<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Liability insurance does not cover repairs to your own vehicle; it only pays for damage you cause to someone else\u2019s car. If you scrape another driver\u2019s bumper in a grocery store lot, your property damage liability pays for their repairs up to your policy limits. Your own scratches? That\u2019s your responsibility.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A liability-only policy is common on older, paid-off vehicles where owners decide the cost of collision and comprehensive premiums isn\u2019t worth the protection. But this leaves drivers fully responsible for their own car\u2019s cosmetic and structural damage.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Example:<\/span><\/b><span data-contrast=\"auto\"> A driver in <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/auto-insurance\/alpharetta-ga\/\"><span data-contrast=\"none\">Alpharetta<\/span><\/a><span data-contrast=\"auto\"> with only liability coverage scrapes a concrete barrier. The repair cost for their bumper runs $1,200, all paid out of pocket because their policy provides zero coverage for damage to their own vehicle.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If protecting your own car from scratches matters to you, consider adding collision and comprehensive as optional coverages.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-2988 aligncenter\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-3-300x196.jpg\" alt=\"Woman kneels beside her car while checking a scratch near the front wheel and calling for help about whether auto insurance cover scratches.\" width=\"300\" height=\"196\" srcset=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-3-300x196.jpg 300w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-3-249x163.jpg 249w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-3-285x186.jpg 285w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-3.jpg 535w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h2><span data-contrast=\"none\">When Auto Insurance Usually Does Not Cover Scratches<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Even with full coverage, some scratches fall outside what insurance companies will pay for. Understanding these limits helps you avoid surprise denials when you file an insurance claim.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Common exclusions include:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Normal wear and tear from aging<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/car-coverage-preexisting-damage\/\"><span data-contrast=\"none\">Pre-existing damage<\/span><\/a><span data-contrast=\"auto\"> documented before the policy started<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Neglect that allows minor damage to worsen<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Damage below your deductible amount<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Intentional acts or fraud<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span data-contrast=\"none\">Wear and Tear, Aging Paint, and Pre-Existing Scratches<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Wear and tear, scratches due to age, rust, or daily use, are not covered by insurance. Insurance policies are designed for sudden, accidental losses, not gradual deterioration from years of sun exposure or routine parking garage scuffs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Examples of non-covered wear:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Clear-coat peeling on a 2012 sedan from UV exposure<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Swirl marks from automatic car washes<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Stone chips accumulated from highway commuting<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Oxidation common in sunny states like Georgia<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Insurers may inspect vehicles at claim time and compare current damage to earlier photos, vehicle history reports, or inspection notes. If scratches clearly existed before your policy began, expect denial.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Damage Below Your Deductible<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">If the cost of repairs is less than your deductible, your insurance will not pay for the damage, making it often more sensible to handle minor repairs out of pocket. This applies even if you technically have coverage.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Get at least one body shop estimate before deciding whether filing is worth it. Reserve claims for incidents where damage clearly exceeds your deductible.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Neglect, Intentional Damage, and Misuse of the Vehicle<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Insurance covers accidental damage, not intentional acts or neglect. Deliberately scratching your own car to collect a payout leads to denied claims and potential fraud investigation.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Ignoring deep scratches until rust spreads can also give insurers grounds to deny claims due to lack of maintenance. Similarly, using a vehicle for commercial purposes without proper endorsement can void coverage entirely, including for dent damage and scratches.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Fix serious scratches promptly to avoid denial if a bigger, related claim arises later.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Should You File a Claim for Scratches? Cost, Deductible, and Premium Impact<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">The decision to file a claim for scratches is primarily financial. Compare the repair cost, your <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/how-to-choose-the-right-deductible\/\"><span data-contrast=\"none\">deductible amount<\/span><\/a><span data-contrast=\"auto\">, and the potential impact on your insurance premiums.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Significant damage, such as deep scratches or body panel damage, may justify filing a claim if it exceeds your deductible. But for a small scratch that costs $600 to fix against a $500 deductible, the math often favors paying out of pocket.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Example calculation:<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Repair Estimate: $400 | Deductible: $500 | Insurance Pays: $0 | Your Cost: $400<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Repair Estimate: $750 | Deductible: $500 | Insurance Pays: $250 | Your Cost: $500<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Repair Estimate: $1,500 | Deductible: $500 | Insurance Pays: $1,000 | Your Cost: $500<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">It is generally not worth filing a claim if repair costs are lower than or close to your deductible, as this could raise your premiums. Even small claims enter the CLUE (Comprehensive Loss Underwriting Exchange) databases, visible to all insurers for seven years.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Filing a claim for minor damage may lead to an increase in your premium unless you have <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/how-car-accidents-in-georgia-affect-your-vehicle-insurance\/\"><span data-contrast=\"none\">accident forgiveness<\/span><\/a><span data-contrast=\"auto\">, making it important to weigh the cost of repairs against potential premium increases.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Weighing Repair Estimates Against Your Deductible<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Get at least two written estimates from local body shops, including paint, parts, and labor costs. Modern multi-stage paints often require blending across multiple panels for proper color match, which increases costs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Decision framework:<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Repair cost significantly exceeds deductible:<\/span><\/b><span data-contrast=\"auto\"> Filing likely makes sense<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Repair cost barely exceeds deductible:<\/span><\/b><span data-contrast=\"auto\"> Probably not worth the premium risk<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Multiple types of damage (scratches plus cracked bumper):<\/span><\/b><span data-contrast=\"auto\"> File one combined claim<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">If damage is bundled with a larger incident, it usually makes sense to file one comprehensive claim rather than multiple smaller ones.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Ask your Southern Harvest Insurance agent directly how a particular claim would affect your future premium before proceeding.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">How Claims Affect Insurance Premiums<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Filing a claim for minor damage can result in an increase in your insurance premium, particularly if your policy does not include accident forgiveness. Insurance companies look at claim frequency, claim type, and fault when setting renewal rates.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Key factors that affect premium impact:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">At-fault collision claims<\/span><\/b><span data-contrast=\"auto\"> create higher premiums than comprehensive claims<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Weather-related or vandalism claims<\/span><\/b><span data-contrast=\"auto\"> typically have less effect on premiums than at-fault collision claims, but all claims can influence your policy costs<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Filing multiple claims for minor damage<\/span><\/b><span data-contrast=\"auto\"> can increase your future insurance premiums significantly<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Filing several small claims over time<\/span><\/b><span data-contrast=\"auto\"> can lead to higher premiums, as insurance companies often review your claim history when setting rates<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">A 36-month claim window is common. If you\u2019re planning to switch insurance companies, recent scratch claims may influence quotes from new insurers.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-2989 aligncenter\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-2-300x196.jpg\" alt=\"Detailer polishing a scratch on a dark car inside an auto shop while the owner considers whether auto insurance cover scratches.\" width=\"300\" height=\"196\" srcset=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-2-300x196.jpg 300w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-2-249x163.jpg 249w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-2-285x186.jpg 285w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/SH-does-georgia-auto-insurance-cover-scratches-2.jpg 535w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h2><span data-contrast=\"none\">Practical Options for Repairing Scratches: DIY vs. Professional Help<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Not every scratch requires an insurance claim. Sometimes the smartest approach is a cost-effective repair strategy that saves money and protects resale value.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Repairing scratches and dents promptly can help maintain the value of your car and prevent future damage, as neglecting repairs can lead to rust and more extensive issues, especially in humid Southern states.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">DIY Solutions for Minor Scratches<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">For minor cosmetic issues, you can use simple tools like scratch repair pens, polishing compounds, and dent pullers, which are especially effective on surface-level scratches and small dents. DIY works best for clear-coat scratches you can\u2019t feel deeply with a fingernail. Test products on an inconspicuous spot first.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">When to Choose Professional Body Shop Repairs<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">More severe scratches or dents that reveal bare metal or affect the car\u2019s structure should always be addressed by a professional to avoid rust and further damage. Professional repair shops utilize advanced color-matching technology ensuring over 95% accuracy and provide warranties on their workmanship.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Professional repairs matter most for:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Leased vehicles from model years 2022-2026 with strict lease-end inspections<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Scratches spanning multiple panels<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Damage exposing primer or bare metal<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Vehicles you plan to sell or trade in<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Professional scratch repair typically runs $500-$2,000 depending on severity. Many insurers partner with preferred repair shops that offer streamlined claims and guaranteed work, though you usually retain the right to choose any licensed shop.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">How to File a Claim for Scratches with Your Insurance Company<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Filing a claim for scratches follows the same basic process as other auto claims, but documentation is particularly important for cosmetic damage that might otherwise look like normal wear.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Step-by-Step: Filing a Claim for Car Scratches<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<ol>\n<li data-leveltext=\"%1.\" data-font=\"Cambria\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Document immediately:<\/span><\/b><span data-contrast=\"auto\"> Take clear photos from multiple angles, plus wider shots showing the entire panel and vehicle. Note the date, time, and location (e.g., \u201cApril 15, 2026, grocery store lot in Savannah, GA\u201d).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Cambria\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Gather evidence:<\/span><\/b><span data-contrast=\"auto\"> Record dashcam footage, witness contact information, parking garage incident reports, or police reports for vandalism.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Cambria\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">File the claim:<\/span><\/b><span data-contrast=\"auto\"> Call your insurer\u2019s claims number or use a mobile app. Obtain a claim number and confirm whether the incident falls under collision or comprehensive.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Cambria\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Schedule inspection:<\/span><\/b><span data-contrast=\"auto\"> Insurers may use in-person or virtual inspections (photo uploads or video calls). Virtual inspections have risen 40% since 2024.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Cambria\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Confirm details:<\/span><\/b><span data-contrast=\"auto\"> Verify your deductible, coverage type, and whether rental car coverage applies during repairs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ol>\n<h3><span data-contrast=\"none\">Working With Adjusters and Repair Shops<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">The claims adjuster verifies the cause of damage, confirms coverage, and approves repair estimates. Review the repair plan carefully and ask questions about line items, especially paint blending and panel replacement.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">You can usually choose between taking a check directly or having payment sent to the repair shop. After repairs, inspect the vehicle carefully, check color match, panel gaps, and finish quality before signing off.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Keep all invoices and warranty paperwork for future reference.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section c-more-options\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <h2 class=\"c-more-options__title\">Getting the Right Coverage and Support with Southern Harvest Insurance <\/h2>\n\n        <div class=\"c-more-options__content\">\n            <div class=\"s-cms-content\">\n                <p><span data-contrast=\"auto\">Southern Harvest Insurance helps Southeastern drivers understand and optimize their <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/auto-insurance\/\"><span data-contrast=\"none\">auto insurance coverage<\/span><\/a><span data-contrast=\"auto\"> for scratches, door dings, and other common damage. Our local agents know regional risks like hail storms, falling branches, and crowded urban parking lots.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Southern Harvest can:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Review your existing car insurance policy for coverage gaps<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Explain how collision and comprehensive options protect your own car<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Customize deductibles ($250-$1,000) to balance premium costs and protection<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Compare plans from multiple carriers to find competitive rates<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Contact Southern Harvest Insurance today for a free policy review. You can call us at <\/span><a href=\"tel:877-831-4677\"><span data-contrast=\"none\">877-831-4677<\/span><\/a><span data-contrast=\"auto\">, visit a <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/locations\/\"><span data-contrast=\"none\">nearby office<\/span><\/a><span data-contrast=\"auto\">, or start a <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/\"><span data-contrast=\"none\">free quote online<\/span><\/a><span data-contrast=\"auto\"> to explore your coverage options. Our experts will assess your options, tailor coverage to your budget, and help protect against parking lot dings, vandalism, hit-and-run incidents, and more.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">FAQs About Car Insurance Covering Scratches<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<h3><span data-contrast=\"none\">Does auto insurance cover minor scratches if I don\u2019t know how they happened?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Coverage depends on your insurance policy and whether you can provide a plausible explanation. Comprehensive coverage may apply if the insurer accepts that damage was likely vandalism or a parking lot hit and run, even without identifying the culprit. Document where the car was parked, photograph the damage, and report promptly. If the insurer believes scratches are ordinary wear, they may deny the claim. Unexplained damage sees 40-50% denial rates.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Will my rates go up if I file a claim for just a scratch?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Any claim can potentially affect insurance premiums, but the impact varies by insurer, claim type, fault, and state regulations. At-fault collision claims for cosmetic damage are more likely to raise rates than a comprehensive claim for vandalism. Ask your agent directly how a proposed claim might affect future premiums. Avoiding frequent small claims and choosing sensible deductibles helps keep rates stable.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Is it better to pay out of pocket if I scratched someone else\u2019s car in a parking lot?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">No. You\u2019re generally required to share your insurance information and contact details if you damage another vehicle. Trying to settle privately risks disputes if the other driver later reports the incident or claims additional damage. Exchange info, document both cars, and consider involving your insurer. Your liability coverage exists specifically to handle this type of property damage claim, even though it may affect your premium.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Can I choose my own body shop when using insurance for scratch repair?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Yes. In most cases, policyholders have the right to select any licensed repair shop, even if their insurer recommends preferred facilities. Preferred shops may offer streamlined claims processing and lifetime repair guarantees, but you\u2019re not bound to them. Get estimates from multiple shops, prioritize quality and warranty, and confirm with your insurer that your chosen shop\u2019s estimate is approved.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n                            <ul class=\"o-list-bare c-more-options__list\">\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--green\" href=\"https:\/\/triton.southernharvestinsurance.com\/\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Get a Quote<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--brown\" href=\"tel:877-831-4677\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-phone-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Call Us<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--dark-blue\" href=\"https:\/\/www.southernharvestinsurance.com\/locations\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-location-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Find Your Office<\/div>\n                        <\/a>\n                    <\/li>\n                                <\/ul>\n                    <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":20,"featured_media":2990,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/2987"}],"collection":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=2987"}],"version-history":[{"count":2,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/2987\/revisions"}],"predecessor-version":[{"id":2992,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/2987\/revisions\/2992"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media\/2990"}],"wp:attachment":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=2987"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=2987"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=2987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}