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My daughter crashed her Little Tikes Cozy Coupe into my car, scratching the door. Can I make a comprehensive claim?

Cozy Coupe crash

This is one car accident that probably won't be covered by your auto policy. Be prepared to reach into your own pocket or settle up with your child. Unless your daughter carries a liability policy for her toy car, you're probably out of luck, says Lehman.

"Can you make a claim?" he asks. "Sure, but the likelihood of damage exceeding your deductible -- if one applies -- is highly unlikely."

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