Does car insurance cover scratches and dents?

It’s typically an easy call if you’re in an accident that totals your car: you contact your auto insurance company. But what do you do if something happens that causes a scratch or minor dents? Is it worth making an insurance claim? Does car insurance cover scratches and dents?  Often, the answer is “yes, but…”. Your insurance may cover minor damage, but it might not be cost-effective to file a claim if the damage can be fixed for a reasonable cost without it….