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? 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 should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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. QuickTake Minimum car insurance requirements by state Non-owner car insurance: How to get car insurance if you don't own a car Can I insure a car that isn't in my name? 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