Will my insurance cover car wash demage?

Car wash damage happens more often than people think — from scratches and dents to broken mirrors or trim pieces. But will your auto insurance pay for it? The answer depends on the type of coverage you have and how the damage occurred. 

When Insurance Does Cover Car Wash Damage

Insurance may cover the damage if at least one of these conditions applies:

• You have comprehensive or collision coverage. Liability alone never covers damage to your own vehicle.

• The car wash equipment malfunctioned or caused unexpected damage.

• Objects inside the wash bay broke, fell, or struck your car.

• The damage clearly occurred during the wash and is documented with photos.

• The cost of repairs is higher than your deductible.

With proper coverage and documentation, filing a claim may be possible.

When Insurance Does Not Cover the Damage

Insurance usually won’t cover:

• Damage when you only carry liability insurance.

• Normal wear and tear such as light scratches, fading, or minor swirl marks.

• Damage caused because the vehicle wasn’t in neutral, mirrors weren’t folded, or instructions were ignored.

• Damage costing less than your deductible.

• Preexisting scratches or dents.

The more “routine” the damage looks, the less likely it is to be approved.

What to Do If Your Car Is Damaged in a Car Wash

To maximize your chances of a successful claim:

1. Take photos before and after the wash.

2. Inspect the car immediately after exiting.

3. Document date, time, and the exact location of the car wash.

4. Report the issue to the car wash operator on the spot.

5. Review your policy to confirm if you have comprehensive or collision coverage.

6. File a claim only if the repair cost exceeds your deductible.

FAQ

Does liability insurance cover car wash damage?
No. Liability covers damage you cause to others — not your car.

Does full coverage guarantee reimbursement?
No. It depends on how the damage happened and whether it’s considered sudden and accidental.

Does the car wash pay for the damage?
If equipment malfunctioned or the operator is at fault, their insurance may be responsible.

Is a small scratch worth filing a claim for?
Usually not, unless repair costs exceed your deductible.

Final Thoughts

Insurance can cover car wash damage, but only under specific conditions. The key is having the right coverage and verifying that the damage was sudden, accidental, and well-documented. Understanding your policy helps you avoid unnecessary out-of-pocket expenses.

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