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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.

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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.



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