Is there a limit to what insurance will pay for minor damage (scratches on a rear bumper) on a 2002 vehicle? 
Any settlement would be subject to your deductible , regardless of whether the damage was caused by another car , a stationary object or a human being -LRB- Collision -RRB- or by a falling object , hitting an animal or the like -LRB- Comperhensive -RRB- . Beyond the deductible , the settlement amount will be adjusted between the repair shop and the claim professional . 