Is it worth claiming a scratch on your car insurance?
You can claim a scratch on your car insurance if the repair cost is more than your deductible, but you may want to ask "Should I make the claim instead?" Before you file a car insurance claim for scratches, consider that filing a claim will raise your rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Jul 17, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Filing a claim can lead to increased premiums, so you should consider whether or not the damage is worth the increase
- Many car scratches are classified as not chargeable and filing a claim for them will not raise your premiums
- Your decision may hinge on how high your deductible is
- Talking to your insurance company is the best way to determine whether a scratch is worth filing a claim over
If your car has recently been keyed, you scraped a pole in a parking lot, or a runaway cart dinged your bumper, you’ve probably wondered, “Can I claim a scratch on my car insurance?” Does insurance pay for scratches on my car?
We don’t blame you for wanting to file a car insurance claim for the scratch or dent. However, there are factors you should consider before fixing the scratch, like how high your deductible is, how bad the actual damage is, and how it was caused.
If your car has been scratched or dented, keep reading. We’ll tell you everything you need to know about getting this taken care of, including how to file a claim with your car insurance company.
While you’re here, check out our free car insurance comparison tool above. Just enter your ZIP code to compare cheap car insurance rates instantly.
Does car insurance cover scratches?
Does insurance cover car scratches and dents, and should I report a scratch on my car to my insurance company?
This is why you pay for car insurance, right? Well, you certainly can file a claim for a scratch, knowing when you should consider filing a car insurance claim and when to keep quiet can save you money here. Filing a claim can lead to a hike in your rates that increases your monthly premium.
While the rate increase is understandable when you have a catastrophic at-fault loss, filing a claim for minor damage may end up becoming an expensive mistake.
How do you claim insurance for damage if you decide to move ahead? Call your insurance company. Take pictures of all of the damage, search for witnesses, and try to determine how the scratch happened. If another vehicle hit your car, make sure to get the driver’s contact and insurance information.
Read more: Does my car insurance go up if someone hits me?
Whether or not filing the claim is wise will depend on the following:
- What the difference is between collision and comprehensive car insurance claims
- How the damage was sustained
- How much the damage costs to repair and if you have to fix your car with car insurance money
- How the claim will affect your policy in the long run
If you have a scratch on your paint and you’re tempted to file a claim, think it over before you call a claims adjuster.
Picking up the phone, reporting a loss, and then accepting the payment of a claim can lead to rate surcharges and a loss of some of the best discounts in the marketplace.
However, there are some circumstances in which a scratch claim will not lead to a rate increase. Keep reading, we’re going to cover those circumstances so you can make an informed decision.
Someone scratched my car and drove off, so what do I do? If you know that someone scratched your car on purpose — and you have proof — you may want to consider filing a lawsuit in small claims court, according to Criminal Defense Lawyer.
You can check businesses nearby for any CCTV footage that might have captured the incident. You’ll also need to call the police when you first notice the damage and file a report if you’re going to file an insurance claim.
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How does the cause of the scratch affect your car scratch insurance claim?
Before you decide whether or not you should file that scratch claim, the first thing you need to know is how the cause of the damage will affect the repercussions for you.
So, should you make the claim? Take a look at this short video.
FindLaw notes that you must file a claim if the accident involved a death, any injury that required medical attention on the scene or at the hospital, or if any vehicle involved had to be towed away.
Some claims are chargeable, meaning they will affect your insurance rates in the future. Chargeable claims are those made for incidents in which you were considered primarily at fault. Other claims are not chargeable, meaning they will not affect your car insurance rates or your eligibility for claims-free discounts in the future. These are claims made for incidents that were not your fault.
The table below shows some common causes of paint scratches, what coverage you need to carry for compensation, and whether or not the typical insurer would deem the loss chargeable.
Damage Claims Affects on Car Insurance Rates
Cause of Damage | Coverage Required | Chargeable? | Considerations |
---|---|---|---|
Vandalism | Comprehensive | No | If the cost to repair the damage is less than or not much over your deductible, skip insurance and pay for the repair yourself. |
A Cart in a Parking Lot | Comprehensive | No (if vehicle was parked) | Insurance company may request video to determine fault. |
Fallen Tree or Branches | Comprehensive | No | If you know a big storm is coming, be careful about where you park. |
Highway Debris | Comprehensive | No | Try to get a license plate number if debris flew off another vehicle. |
Car Accident | Collision | Yes; you are at fault if you caused the accident. Your rates will increase. | Consider the cost of the damage and your deductible and increased rates. If you will pay more in the long run by filing a claim for minor damage, paying out of pocket may be the better option. If you are less than 50 percent responsible, your insurer cannot penalize you. |
Accident Caused by an Uninsured Driver | Uninsured Motorist Coverage | No | If you do not have uninsured motorist coverage, your collision coverage can pay for the damages, but you will have to meet your deductible, first. |
Read more: Does car insurance cover road debris damage?
Types of Scratch Insurance for Cars
What kind of insurance should you have for each of these incidents? Watch this next video from Allstate, which explains what is generally covered by comprehensive auto insurance.
https://youtu.be/d3eh4wIuNks
What if you parked somewhere only to come back and see that somebody dinged your car? That’s never fun. Or what if somebody keyed your car on purpose? That’s even worse. “How did my car get scratched” is not a fun mystery to solve.
If you have full coverage, that includes both collision and comprehensive. Comprehensive has got you covered for theft and vandalism, although you’ll want to consider how bad the damage is before you file a claim if your deductible is high.
The same goes for scratch damage that could come from somebody hitting your car with a cart in the grocery store parking lot. Did a falling tree branch scrape your car on its way down? Covered by comprehensive.
That nightmare of a tool falling off the truck in front of you? That can be covered by comprehensive, but try to get a picture of the truck’s license plate for your insurer.
On the other hand, if the damage came from a car wreck you’re found at fault for, you’ll have to rely on your collision coverage. This is true even if you scratched someone else’s vehicle by accident.
https://youtu.be/jFDl_p3gHNk
Collision will also help cover the damage if the scratch came from something that occurred while you were driving, such as scraping a line of tree branches. Did you hit a mailbox or back into a pole in the parking lot? Those incidents will likely be covered by collision.
What if you’re in an accident and the other driver doesn’t have car insurance coverage? The danger of driving uninsured is a nightmare many of us have lived. And it’s not unlikely.
The Insurance Information Institute confirms that 13 percent of drivers (one in eight) were uninsured in 2015, and that number doesn’t change a lot from year to year.
Search for your state below to see how many residents are driving around uninsured.
Percent of Uninsured Drivers by State
Rank | State | Percent of Uninsured Drivers |
---|---|---|
1 | Florida | 26.70% |
2 | Mississippi | 23.70% |
3 | New Mexico | 20.80% |
4 | Michigan | 20.30% |
5 | Tennessee | 20% |
6 | Alabama | 18.40% |
7 | Washington | 17.40% |
8 | Indiana | 16.70% |
9 | Arkansas | 16.60% |
10 | D.C. | 15.60% |
11 | Alaska | 15.40% |
12 | California | 15.20% |
13 | Rhode Island | 15.20% |
14 | New Jersey | 14.90% |
15 | Wisconsin | 14.30% |
16 | Texas | 14.10% |
17 | Missouri | 14% |
18 | Illinois | 13.70% |
19 | Colorado | 13.30% |
20 | Louisiana | 13% |
21 | Oregon | 12.70% |
22 | Ohio | 12.40% |
23 | Maryland | 12.40% |
24 | Arizona | 12% |
25 | Georgia | 12% |
26 | Kentucky | 11.50% |
27 | Minnesota | 11.50% |
28 | Delaware | 11.40% |
29 | Nevada | 10.60% |
30 | Hawaii | 10.60% |
31 | Oklahoma | 10.50% |
32 | West Virginia | 10.10% |
33 | Montana | 9.90% |
34 | Virginia | 9.90% |
35 | New Hampshire | 9.90% |
36 | Connecticut | 9.40% |
37 | South Carolina | 9.40% |
38 | Iowa | 8.70% |
39 | Utah | 8.20% |
40 | Idaho | 8.20% |
41 | Wyoming | 7.80% |
42 | South Dakota | 7.70% |
43 | Pennsylvania | 7.60% |
44 | Kansas | 7.20% |
45 | North Dakota | 6.80% |
46 | Nebraska | 6.80% |
47 | Vermont | 6.80% |
48 | North Carolina | 6.50% |
49 | Massachusetts | 6.20% |
50 | New York | 6.10% |
51 | Maine | 4.50% |
These drivers are potential hazards to you and your bank account if you don’t have uninsured and underinsured motorist coverage. Check out the video below for more information on these types of coverage.
https://youtu.be/LH-6wizPE-g
So how much coverage do you need? It really depends on the value of your vehicle. If you have a real clunker, you probably don’t need everything we’ve talked about. But, if you have a newer vehicle or a collectible car, it’s definitely worth having full coverage on it just in case something happens.
Average Monthly Car Insurance Rates by Coverage Type
Coverage Type | Monthly Rates |
---|---|
Collision | $25 |
Comprehensive | $12 |
Full Coverage | $80 |
Liability | $43 |
The national average rates are above for your reference, but keep in mind that these can change based on a variety of factors. Where you live, your credit history, driving record, and even your marital status can all affect how much you’ll pay for your car insurance.
If you noticed the scratch but have no idea where it came from, your insurance adjuster will probably be able to figure it out. They see a lot of vehicle damage, after all.
How to Decide If Filing a Scratched Car Insurance Claim Is the Right Choice
Now that you understand the difference between chargeable and not chargeable claims, it’s time to determine if you should proceed in filing a chargeable claim.
There are instances in which filing a claim is suggested, even when you know your rates are going to go up.
What happens if somebody scratched my car and drove off? In the video below, an insurance agent from Farmers explains what to do when you notice damage to your vehicle that occurred when you were parked.
However, filing is typically suggested when the cost of repairs is astronomically high, when you cannot afford repairs on your own, or when there is a liability claim for injuries and damages. Otherwise, you may want to consider not filing an insurance claim and fixing the damage on your own.
How much will a scratch cost to repair?
Some vehicles have very expensive paint jobs, and a common question that arises is if car insurance cover paint jobs (For more information, read our “Does car insurance cover paint jobs?”). In fact, repairing some deeper scratches may require a part replacement and not just a new coat of paint. If this is the case, the cost of the repairs could be more than you can afford to cover out of pocket. (For more information, read our “Should I use the auto body shop my car insurance company recommends?“)
How much does it cost to fix a scratch on the car? You should get estimates on the repairs before filing anything and then assess the situation. The best way to do this is to get an estimate — which is generally free — so you’ll know how to proceed. (For more information, read our “How do I assess car damage for insurance purposes?“).
The price you’ll have to pay definitely depends on how bad the scratch is. Is it superficial and only affecting the top layer of paint, or did it split open to where you can see the naked metal?
There are four scratch levels, so you may want to determine yours and go from there.
- Superficial scuff – A scratch that only lightly damages the clear coat over the paint. These are an easy fix, and you can usually do it yourself by going to an auto shop.
- Clear-coat scuff – This would be a scratch that’s a little deeper but still only affects the clear coat. They’re longer and deeper than a superficial scuff.
- Paint scratch – A scratch that has penetrated the clear coat and also scratched the paint.
- Deep paint scratch – This exposes the base material, such as metal or plastic.
You may be able to take care of a lighter scratch by yourself, but you’ll most likely need to take it to an auto shop to properly repair a deep scratch. Scratch repair costs will vary based on severity and type.
Scratch Wizard did a small survey of about 30 body shops to come up with an average cost of repair for a scratch.
Estimated Costs to Repair a Car Scratch
Severity of Scratch | Auto Shop Estimate to Fix |
---|---|
Scuff | $50–$70 |
Clear-Coat Scratch | $150–$300 |
Paint Scratch | $400–$1,000 |
Deep Paint Scratch | $800–$1,500 |
As you can tell, the price to fix the scratch varies considerably based on how bad it is. But, if it’s just a light scuff, it might be easier to fix it yourself.
How high is the deductible for insurance for scratched cars?
If you’re carrying a high car insurance deductible to keep your premiums low, it could hinder your ability to file a claim. Watch the video below to learn a little more about deductibles.
Generally, deductibles are there to keep your rates low. So, despite paying premiums every month, you’re still expected to bear some of the cost of repair for some types of damage. If you have a $250 deductible, it might be worth filing a claim for a deep scratch. But, if your deductible is $3,000, you’re still going to be covering the cost yourself and tacking on a claim to your insurer.
It’s worth considering the value of your car at this point. If your car is only worth a couple of thousand dollars, but it’s going to cost over $1,000 to fix the scratch, is it really worth it? This is especially important if you don’t have comprehensive car scratch insurance or if your coverage costs might increase with this claim.
Will you lose discounts for claiming a scratch?
If you want to file a claim and are willing to accept surcharges, you should also keep in mind that this decision could lead to a loss of accident-free or claims-free discounts, which could raise your premiums by as much as 30 percent.
If you have something like a claims-free or good driver discount, it’s worth thinking about this aspect when you make a decision, especially if the damage is light.
Not all claims are worth filing. If you have filed a claim that you regretted in the past, do your homework before you file a claim for a scratch.
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Case Studies: Analyzing Car Insurance Coverage for Scratches
Case Study 1: John’s Parking Lot Mishap
John recently scraped his car against a pole in a parking lot, resulting in a noticeable scratch on his vehicle. He wonders if he should file a claim with his car insurance company. Considering his high deductible and the minor nature of the damage, John decides against making a claim. He opts to cover the repair costs out of pocket to avoid potential rate increases.
Case Study 2: Sarah’s Hit-and-Run Incident
Sarah discovered a scratch on her car, suspecting that someone intentionally keyed her vehicle. She files a police report, gathers evidence, and contacts her insurance company to report the incident. Since she has comprehensive coverage, the damage caused by the unknown culprit is covered. Sarah proceeds with a claim to have her car repaired, and her rates remain unaffected.
Case Study 3: Mark’s Minor Paint Scratch
Mark notices a superficial scratch on the paint of his car and considers filing an insurance claim. However, after assessing the repair cost and his deductible, he realizes it would be more economical to fix the scratch himself. Mark decides not to involve his insurance company, as the repair expense is within his budget.
Case Study 4: Lisa’s Severe Scratch From an Accident
Lisa was involved in a minor accident that resulted in a deep scratch on her car. As the accident was determined to be her fault, Lisa’s collision coverage comes into play. She decides to file a claim with her insurance company, as the repair costs exceed her deductible. Despite the claim, Lisa anticipates a potential increase in her premiums due to the at-fault nature of the incident.
Handle a Car Scratch: Insurance, Repairs, and Body Shops
When your car gets scratched in the parking lot or experiences other minor damage, it’s crucial to understand your options for repair and insurance coverage. Here’s a guide to help you navigate car insurance claims for scratches, find the right auto body shop, and manage repair costs.
Evaluating Your Car Insurance Claim for Scratches
1. Understanding Coverage for Scratches
Before you file a car insurance claim for scratches, review your policy to determine if the damage is covered. Insurance for car scratches typically falls under comprehensive coverage, which handles non-collision incidents. If the scratch results from a collision or a minor accident, you may need to file a claim under collision coverage.
2. Assessing the Cost of Repair
- Bumper Scratch Repair Cost with Insurance: If the scratch affects your bumper, you might wonder how much it will cost to repair with insurance. Generally, insurance will cover the repair costs minus your deductible. However, this may result in higher premiums in the future.
- Tesla Scratch Repair Cost: Repair costs for luxury vehicles like Teslas can be higher. Check with your insurer to understand how much coverage you have and compare it with repair estimates from specialized shops.
Finding the Right Body Shop for Your Repairs
1. Locating an Auto Body Shop Near You
Depending on your insurer, you may have preferred or recommended auto body shops. Here are options for finding one:
- Allstate Auto Body Shop Near Me
- Geico Auto Body Shop Near Me
- State Farm Auto Body Shop Near Me
- USAA Auto Body Shop Near Me
Search for these shops to get estimates and find a reputable location for your car scratch repair near you.
2. Specialized Body Shops
For specific needs or brands, consider these specialized options:
- Esurance Body Shop for Tesla: If you own a Tesla and have Esurance, look for body shops experienced in handling Tesla repairs.
- Esurance body shop for a Land Rover: Find a body shop with expertise in Land Rover repairs if you have coverage with Esurance.
- ICBC insurance for scratched cars: If you are insured with ICBC, they might have specific recommendations for scratch repairs.
Steps for Filing an Insurance Claim for Scratches
1. Document the Damage
- Take Photos: Capture detailed images of the scratch or dent.
- Gather Evidence: Include any information about the incident, such as witness statements or CCTV footage if available.
2. Contact Your Insurer
- File the Claim: Notify your insurance company about the damage. Provide them with all necessary documentation.
- Check Coverage: Confirm whether the repair costs are covered under your policy and what your deductible will be.
3. Compare Repair Costs
- Scratch and Dent Insurance Comparison: Compare repair estimates and insurance coverage to decide the most cost-effective way to handle the damage.
- Scratch Wizard Review: Use resources like Scratch wizard to understand typical repair costs and service quality.
Handling a car scratch involves evaluating your insurance coverage, finding a reputable body shop, and understanding repair costs. Whether you’re dealing with a minor scratch or a more significant issue, knowing your options can help you make informed decisions and manage costs effectively.
Dealing with Parking Lot Scratches and Keyed Car Insurance
If your car got scratched in the parking lot or has been keyed, it’s essential to understand how to handle these situations effectively. Here’s a detailed guide on managing insurance claims, finding repair services, and understanding coverage for these types of damages.
Handling Insurance Claims for Scratches
1. Filing an Insurance Claim for Scratches on a Car
When dealing with scratches from a parking lot incident or vandalism, follow these steps to file a successful insurance claim:
- Document the Damage: Take clear photographs of the scratches and any related damage. Capture different angles and close-ups.
- Report the Incident: Contact your insurance company to report the damage. Provide all necessary details and evidence.
- Submit Your Claim: Follow your insurer’s process for submitting a claim. Include all documentation and any required forms.
2. Understanding Insurance Coverage for Scratch Repair Cost
Your insurance policy may cover different types of scratch repairs based on the cause of the damage:
- Insurance for a Scratched Car in the Parking Lot: Coverage may include damages sustained while parked in a lot, depending on your policy.
- Comprehensive Coverage: Typically covers scratches caused by vandalism or other non-collision incidents.
- Collision Coverage: If the scratch results from a collision or accident, this coverage may apply.
Finding the Right Car Scratch Repair Services
1. Searching for Car Scratch Repair Near Me
When you need repairs, locate a reliable auto body shop nearby:
- Local Body Shops: Use online tools to find car scratch repair near me. Check reviews and ratings to ensure quality service.
- Insurance Recommendations: Your insurer may have preferred repair shops. Inquire about these options when filing your claim.
2. Specialized Repair Services
For specific needs or high-end vehicles:
- Keyed Car Insurance Repair: If your car has been keyed, find a repair shop experienced with handling vandalism damage.
- Estimate Costs: Get estimates from multiple repair services to compare prices and coverage.
Key Considerations for Keyed Car Insurance
1. Keyed Car Insurance Definition
Keyed car insurance typically falls under comprehensive coverage, which handles vandalism. Ensure your policy includes this type of coverage:
- Vandalism Coverage: Covers repairs for damage from intentional acts like keying.
- Deductibles and Limits: Understand your deductible and the limits of coverage for keyed car insurance.
2. Steps to Take After Your Car is Keyed
- File a Police Report: Report the vandalism to local authorities and obtain a copy of the report.
- Contact Your Insurer: Notify them of the damage and file a claim.
- Repair Estimates: Obtain estimates for the repair work and review them with your insurer.
Managing a scratch from a parking lot or dealing with a keyed car involves understanding your insurance coverage, finding the right repair services, and following the necessary steps to file a claim. By staying informed and proactive, you can effectively address these issues and minimize the impact on your vehicle and insurance costs.
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Understanding Keyed Car Insurance
Keyed car insurance typically falls under comprehensive coverage, which addresses damages caused by vandalism such as keying. This type of coverage is crucial if your vehicle has been intentionally scratched or damaged.
To Do If Your Car Is Keyed
- Report the Incident: File a police report to document the vandalism.
- Notify Your Insurer: Contact your insurance company to start a claim under your keyed car insurance.
- Get Repair Estimates: Obtain quotes from local auto body shops for the cost of repairs.
Having keyed car insurance ensures that you are financially protected against such malicious damages, helping you manage the repair costs effectively.
Frequently Asked Questions
What to do if someone scratches your car?
Gather evidence (photos, witness statements), file a police report if necessary, and contact your insurance company.
What to do if you scratch someone’s car?
Exchange contact and insurance information, report the incident to your insurance company, and file a claim.
When should I go through insurance for a car scratch?
Consider filing a claim if repair costs exceed your deductible or if the scratch involves another party.
Will car insurance cover paint damage?
Yes, with comprehensive insurance for vandalism or falling objects, and collision insurance for accident-related damage.
Will car insurance cover scratches?
Yes, with comprehensive coverage for non-collision incidents and collision coverage for accidents.
Will my insurance go up if I scratch a car?
Filing a claim may increase your insurance premiums, especially if you are at fault.
Is it worth claiming on car insurance for a dent?
Evaluate if repair costs exceed your deductible and if potential rate increases are acceptable.
If my car gets keyed, will insurance cover it?
Yes, comprehensive insurance covers vandalism-related damage such as key scratches.
How does scrapping a car affect insurance?
Inform your insurer, which may adjust your policy or premium.
How much does a scratch on a car cost?
Costs vary: light scratches might cost $50-$150, while deep ones could be $200-$1,000+.
How much does insurance pay for scratches on a car?
Insurance covers costs exceeding your deductible, minus the deductible amount.
How much does it cost if you scratch someone’s car?
Repair costs range from $100 to $2,000, depending on the damage.
How to claim car insurance for scratches?
Contact your insurer, provide incident details and evidence, and follow their claims process.
Does auto insurance cover scratches?
Yes, through comprehensive or collision coverage, depending on the cause of the scratch.
Does car insurance cover dents?
Yes, with comprehensive coverage for non-collision dents and collision coverage for accident-related dents.
Does car insurance cover both dents and scratches?
Yes, with comprehensive for non-collision incidents and collision for accidents.
Does car insurance cover key scratches?
Yes, typically covered under comprehensive insurance as vandalism.
Does car insurance cover paint damage?
Yes, comprehensive covers non-collision incidents, collision covers accident-related damage.
Does car insurance cover paint scratches?
Yes, for non-collision incidents like vandalism or falling objects.
Does Geico cover car scratches?
Yes, through comprehensive and collision coverage based on your policy.
Does insurance cover a keyed car?
Yes, comprehensive insurance typically covers keyed cars as vandalism.
Does insurance cover bumper scratches?
Yes, through comprehensive or collision coverage depending on the cause.
How much will my insurance go up after scratching someone’s car?
Premiums may increase, especially if you are at fault; the amount varies by insurer.
Can I claim scratches on my car insurance?
Yes, if you have comprehensive or collision coverage.
Is a car scratch covered by insurance?
Yes, generally covered under comprehensive or collision policies.
Can I claim insurance for car scratches?
Yes, with comprehensive coverage, provided you file a claim and provide evidence.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.