insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Ice scraper cleaning ice off car windshieldYes, if you have comprehensive car insurance on your wife’s vehicle the scratch and scrap marks she made should be covered.  This incident was accidental and not connected to a collision or the upset of your car, and is why it would fall under your comprehensive coverage.

Car insurance typically covers negligent acts as long as they are accidental.  It doesn’t cover intentional acts. 

For instance, if your wife was mad at you for some reason and went out and banged up your car with the shovel, the damage would not be covered by your car insurance. 

Read more on comprehensive and other types of basic car insurance coverages.

author image
Penny Gusner
Contributor

 
  

Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s.

auto-insurance

QuickTake

See more >
ZIP Code Please enter valid ZIP