The objective of having a liability policy is to protect you against third-party property damage and bodily injury claims. This coverage will usually pay for the damage if you cause scratches to another car in an auto accident. If someone else’s car gets scratched while you’re driving it, your liability insurance can also pay for the damage. You can file a claim even if you don’t own the scratched car. Still, the vehicle’s owner can also file a claim with their insurer to cover the scratch damage.