Sometimes, it is better to pay out of pocket to repair scratches than filing a claim, including when you have comprehensive and collision coverage. Keep in mind that you’ll usually have to pay a deductible before your coverage can kick in. If the cost of your deducible is higher than the cost of repairing the scratches, it may be cheaper to just pay for the repair yourself and avoid filing a claim. You’ll also want to avoid increasing your auto insurance costs. When you file a claim for an accident you caused, your premiums might increase. For example, denting your car after backing into a telephone pole is an at-fault incident that could impact your rates. Consider paying out of pocket if there’s only a small difference between the repair costs and your deductible. If the accident involves another driver or person, you should file an auto insurance claim. The other motorist’s insurance should pay for the scratch damage if they’re liable. If you don’t notify your insurance about the crash, the insurer might deny you coverage in case the other motorist or individual later files a claim against you for this particular damage.