Are Paint Jobs Covered by Car Insurance?

It is awful to have the paint of your car damaged, whether it is due to someone vandalizing your car or simply having an unlucky fender-bender. Paint jobs are expensive. In most cases, paint jobs are covered, but not always. Continue reading to find out more.

When Does Car Insurance Cover Paint Jobs?

When getting a paint job, the comprehensive and collision coverages of your car insurance policy, which cover property damage, come into play. Your insurer would reimburse the cost of the paint job if the scratches on your car or any other damage to your car's paint were caused by one of the covered perils under your comprehensive or collision coverage.

It is crucial to note that normal wear and tear damages do not qualify as a covered peril and are, therefore, usually not covered by your policy. The best course of action in this scenario is to consult your insurer.

Are Paint Jobs Covered Under Collision Insurance?

Only in the unfortunate event that you collide with another car, or a stationary object are coverages offered by collision insurance. For instance, your insurer is likely to cover the cost of the paint on your car that is damaged in a collision with a stop sign or a streetlight.

If a collision with another vehicle results in paint damage, your insurer will only cover the cost of a paint job if you are found at fault in the accident. However, if the other party is at fault, their insurance is required to cover the reimbursement for any damages your car sustains, including damages to the paint on your car.

Are Paint Jobs Covered under Comprehensive Insurance?

Comprehensive insurance provides coverage for all eventualities aside from collisions with another vehicle or stationary objects. For instance, your insurer will pay for the losses incurred under the comprehensive policy if you are struck by an animal while driving, your car is vandalized, or a large tree falls on your car during a storm. It is crucial to remember that you are always liable for covering the deductible you decided upon when you bought the policy.

Are Paint Jobs Covered under Full Coverage Insurance Policy?

Collision, comprehensive, and liability coverages are all included in full coverage insurance. Hence, unless the damage is the result of natural wear and tear, it should be able to cover for paint jobs.

Is the Entire Car's Paint Job Covered?

The paint job for only the parts damaged by the covered peril will be paid for by your insurer. However, they are likely to cover the cost of repainting your entire car if the paint of the entire car is damaged due to a covered peril. Depending on the paint job quality and the brand and model of the car, a complete paint job might cost a few hundred dollars or even $10,000 or more.

Paint jobs are expensive, so it's crucial to remember that your insurer may total your car and give you the market value of your car instead if the damage to fixing your car, along with repainting it, is assessed to be excessive and too costly. In the end, it comes down to how much your automobile is worth and how much it would cost to paint and fix the whole thing.

Cover Your Car Paint Job with Club Agency

We now know that insurance coverage for a paint job depends on the type of coverage you have and the nature of the car's damage, as demonstrated in this blog. Contact our professionals here at Club Agency today to get the best coverage for your vehicle at the most affordable rates. We will also resolve all your questions regarding getting a paint job for your car under your insurance.