Home Car insurance Coverage My wife was half asleep when she went out to scrape snow and ice off her car. She used a snow shovel, not realizing she picked up the one with the sharp metal blade at the end, so she scratched the car all over. Will her car insurance cover the damage? My wife was half asleep when she went out to scrape snow and ice off her car. She used a snow shovel, not realizing she picked up the one with the sharp metal blade at the end, so she scratched the car all over. Will her car insurance cover the damage? View Carriers Please enter valid zip Compare top carriers in your area Written by Penny Gusner Penny Gusner 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. | Posted on: March 18, 2015 Why you can trust Insure.com 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. Yes, 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. Penny GusnerContributor . .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. What to read next Minimum car insurance requirements by state How auto theft investigators work – and how to hire your own Can I insure a car that isn't in my name? Do you need full coverage on a financed car? Questions every driver should ask their car insurance agent How to handle car insurance after divorce or separation Non-owner car insurance: How to get car insurance if you don't own a car in 2025 Average SR-22 insurance cost in 2025 How does gap insurance work and do you need it? A guide to veterans car insurance Does car insurance cover hitting a deer? Do you need a vehicle identification number for an insurance quote? Everything you need to know about insuring two cars What is full coverage car insurance? What is liability auto insurance? What is uninsured and underinsured motorist coverage? Car warranties versus auto insurance The secret life of your car's VIN "Stacking" your UM/UIM auto insurance coverage Show more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2025? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month a lot for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 ZIP Code Please enter valid ZIP See rates (844) 645-3330