When it comes to scratches from road debris, animals or even another driver — your car insurance likely has you covered. Comprehensive insurance typically covers damage caused by unexpected events, regardless of the scratch's size. If another driver dinged your car, their liability insurance normally covers the repair costs.
But unless another driver’s insurance covers the scratch, it might not be worth patching up if the repair cost is more than your deductible, and filing a claim could raise your future rates.