If your car is parked in the carport and a child accidentally could not stop the four-wheeler they were driving and hit your car and damaged the fender will the car ins cover the damage?

Your insurance will cover this accident if you have the appropriate coverage. Depending on your insurer, this would fall under comprehensive or collision coverage.

You will still be responsible for the deductible, and the claim may make your rates go up. Consider this before filing if the damage is minimal. It may not be worth it.