Automotive News

Assure Scratch and Dent Sets National Expansion Timeline After Regional Growth

Assure Scratch and Dent, a subscription-based cosmetic car repair service, announced plans for national expansion following its achievement of statewide coverage across California. The company, which launched in 2022, has enrolled 50,000 members who pay a monthly fee for unlimited repairs to scratches, dents, and other minor cosmetic vehicle damage. Photo Credit: Courtesy of Assure The subscription model addresses a gap in traditional auto insurance coverage, where deductibles typically ranging from $500 to $1,000 make minor cosmetic repairs financially impractical for most drivers to claim. Assure Scratch and Dent offers members unlimited access to mobile repair technicians for a flat monthly rate starting at $39, eliminating insurance claims, excess payments, and potential premium increases associated with filing for minor damage. "We built this business around a simple observation: millions of Americans are driving vehicles with diminished resale value because the cost of fixing minor damage doesn't make sense under traditional insurance structures," said Jake Mathews, founder of Assure Scratch and Dent. "Our members are protecting assets worth tens of thousands of dollars for less than the cost of a streaming subscription." The company's expansion strategy targets Arizona and Florida as its next markets, focusing on states with high vehicle ownership rates and urban density where parking lot damage and minor collisions occur frequently. Assure Scratch and Dent plans to replicate its California model by establishing networks of certified mobile technicians capable of completing most repairs in under two hours at the customer's home or workplace. The subscription car care sector has demonstrated strong growth potential, with the global subscription car wash market projected to reach $16.4 billion by 2035, up from $6.4 billion in 2025. Auto repair shops across the United States have begun testing similar membership programs for routine maintenance, reflecting broader consumer preference for predictable monthly costs over variable expenses. Assure Scratch and Dent's service covers scratches, dents, paint touch-ups, bumper scrapes, windscreen chips, wheel rim damage, and mirror casing repairs. The company provides a lifetime guarantee on all work and offers members up to 50 percent discounts on repairs for pre-existing damage. Only new damage incurred after membership begins qualifies for unlimited repair coverage. The business model spreads risk across a large member base while keeping individual repair costs manageable compared to major mechanical failures. Mobile service delivery eliminates overhead associated with physical shop locations while providing convenience that traditional body shops cannot match. Members submit repair requests online with photos of damage, avoiding the need for in-person estimates or insurance adjuster visits. "California proved that drivers want an alternative to the traditional insurance model for everyday cosmetic damage," Mathews said. "We're not disrupting insurance companies. We're serving the customer segment that insurance economics abandoned. A monthly subscription makes more financial sense than a four-figure deductible for damage that happens weekly in dense urban environments." The company's California rollout focused on major metropolitan areas including Los Angeles, San Francisco, San Diego, and Sacramento, where vehicle density and parking constraints increase the frequency of minor cosmetic damage. Assure Scratch and Dent plans to apply similar geographic targeting in Arizona and Florida, prioritizing Phoenix, Tucson, Miami, Tampa, and Orlando for initial service availability. Industry data indicates that cosmetic damage significantly impacts vehicle resale values, with dealerships routinely deducting repair costs from trade-in offers. Maintaining vehicles in pristine condition can add thousands of dollars to resale value, yet most drivers avoid professional repairs when costs approach or exceed insurance deductibles. This creates a market inefficiency that subscription models can address through predictable pricing and unlimited service access. Mathews noted that member behavior differs significantly from traditional repair customers. "When there's no per-incident cost, people actually maintain their vehicles properly. We're seeing members fix damage immediately instead of letting it accumulate over years. That behavioral change protects their investment and validates our entire business thesis." The national expansion timeline extends through 2026, with Arizona and Florida launches planned for the second and third quarters respectively. Additional states will be evaluated based on market conditions, regulatory requirements, and the company's ability to establish quality repair networks that meet its service standards. Visit www.assurescratchanddent.com to learn more about membership options and service availability. About Assure Scratch and Dent Assure Scratch and Dent operates as a subscription-based cosmetic vehicle repair service serving California drivers. Founded in 2024, the company provides unlimited repairs for minor scratches, dents, and cosmetic damage through mobile technician networks. Members pay a flat monthly fee for access to repair services without insurance claims, deductibles, or hidden fees. The company achieved California-wide coverage in 2025 and is expanding to additional US markets in 2026.