Will auto insurance pay for paint jobs?
Auto insurance will pay for paint jobs if you are carrying collision and comprehensive policies. Collision car insurance will pay for paint jobs damaged in an accident while comprehensive coverage applies to car paint jobs damaged by natural disasters or vandals.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Jan 6, 2024
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UPDATED: Jan 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Only collision and comprehensive auto insurance will pay for paint jobs
- Car paint jobs damaged by normal wear and tear and prolonged exposure to the elements are not covered by insurance
- Auto insurance will only pay for paint jobs if the cost of the repairs exceeds your deductible
Will auto insurance pay for paint jobs? Yes, as long as you have a comprehensive policy in place. You must carry more than the state minimum insurance to have adequate coverage because liability insurance will not cover a fresh new coat of paint.
Does State Farm cover paint jobs? Yes, and many more providers offer comprehensive coverage for paint jobs.
Read our guide before you buy auto insurance to learn what kind of comprehensive coverage you need to cover paint jobs and how to shop around for the types of policies you’re looking for.
The easiest way to find the cheapest comprehensive car insurance is to get paint car quotes from multiple companies.
Is painting covered under car insurance?
As long as you carry a collision or comprehensive policy, auto insurance will pay for paint jobs on your car in most qualifying events. Qualifying events include accidents, collisions, and acts of vandalism that damage the exterior paint of your vehicle.
Be aware that only comprehensive car insurance will cover paint jobs in most types of qualifying events.
What does comprehensive insurance cover on a car? That depends on the kind of policy you carry and the exclusions your provider lists on that policy. (For more information, read our “Are auto insurance companies allowed to charge a policy fee?“).
Typically, while collision insurance will cover paint damage that results from an accident, comprehensive car insurance covers other qualifying events that damage your paint job, including acts of vandalism and random acts of nature.
Unfortunately, if your paint job was damaged or chipping before you filed the claim, it’s unlikely your insurance company will pay for it. That is why it is very important to know the process on how to file an auto insurance claim especially if you’re car is prone to exterior damages like paints, lights and other accessories.
Will liability auto insurance pay for paint jobs?
No. Liability auto insurance coverage only pays for damages you cause to another person or property in an accident. So it may pay for the other driver’s paint job, but the policy will not cover your vehicle.
This means you must carry more than your state’s minimum insurance requirements to have paint jobs covered under car insurance. Read our state-by-state comparison of auto insurance requirements to learn more about the insurance laws in your state.
Will auto insurance pay for paint jobs if an uninsured motorist hits my car?
Yes, uninsured motorist coverage is specifically designed to protect against damages caused by uninsured, underinsured, and/or hit-and-run drivers. In some cases, collision car insurance can cover a paint job damaged by an uninsured or underinsured motorist.
You don’t need uninsured motorist insurance unless your state requires it, but it does come with a few perks. Carrying uninsured motorist coverage will give you money for repairs, including paint jobs, and will also waive your deductible in the event of an accident with an uninsured driver.
Will my insurance company paint the whole car?
Technically yes. If your car can be repaired, then the cost of painting the whole car is factored into that repair cost. But depending on the level of damage sustained to your car after the qualifying event, your insurance company may choose to write your vehicle off as a loss.
If that’s the case, your insurance company will pay for the amount your car is worth rather than for the repair and repainting of the damaged vehicle.
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When are paint jobs not covered by auto insurance?
All insurance companies are different, and each policy will come with its own exclusions. In most cases, auto insurance will not cover paint jobs damaged by wear and tear or prolonged exposure to the elements.
These wear and tear exclusions state that normal damage is expected to happen over the course of owning a car, and owners are in charge of performing basic vehicular maintenance to protect body paint. Paint jobs are only covered by car insurance if the damage was sudden and unexpected.
Further, paint jobs won’t be covered by car insurance if you aren’t carrying a full or comprehensive policy.
Insurance companies may also not pay for paint jobs if the insurance claim doesn’t meet the deductible. The cost of repairs must exceed your deductible in order for your insurance company to pay out for any damage, including car paint jobs.
How much does it cost to paint a car?
The kind of car you drive, the kind of paint, and the local body shop you choose will all impact price ranges for paint jobs. Cheap paint jobs can range between $300-$500 but could ultimately cost you more in the long run since cheaper paint tends to chip and rust more easily.
According to Car and Driver, drivers should plan on paying between $1,000 and $3,5000 for a good paint job, with showroom quality paint jobs at the higher end of that range.
To save money on car paint jobs, consider repainting only the damaged parts of the vehicle rather than the whole car.
Will auto insurance pay for paint jobs? Yes, as long as you have full or comprehensive coverage.
Case Studies: Auto Insurance Coverage for Paint Jobs
Case Study 1: Accidental Scratches
John accidentally scratched his car against a concrete pillar while parking. Fortunately, his comprehensive auto insurance policy covered the damages under the category of “acts of vandalism and malicious mischief,” allowing his insurance provider to cover the cost of repainting the affected area.
Case Study 2: Keyed Vandalism
Sarah discovered her car’s paint severely damaged by a malicious keying incident. She contacted her insurance company and was relieved to find that her comprehensive coverage included protection against vandalism. As a result, her insurance policy covered the costs of repainting the damaged areas.
Case Study 3: Wear and Tear
Robert’s car had worn-off paint due to regular wear and tear, prompting him to consider repainting. However, his insurance policy did not cover the cost as it fell under regular maintenance and cosmetic enhancements, which are typically excluded from standard auto insurance policies.
Case Study 4: Custom Paint Job
Amy wanted a custom paint job for her car, but her insurance policy only covered damages from accidents, theft, and specific natural disasters. Since a custom paint job was deemed a cosmetic modification, it wasn’t covered by her policy. Amy had to personally cover the cost of the paint job.
Case Study 5: Uninsured Motorist
Mike’s car was parked legally when an uninsured motorist accidentally hit it, causing significant damage to the paintwork. Fortunately, Mike had uninsured motorist coverage, which protected him in such scenarios. His insurance company assessed the damage and agreed to pay for the necessary repairs, including repainting the affected areas.
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Frequently Asked Questions
Will auto insurance pay for paint jobs?
Auto insurance coverage for paint jobs depends on the circumstances and the type of coverage you have. Here are some key points to consider:
- Comprehensive Coverage: If you have comprehensive coverage, it may cover the cost of a paint job if the damage is caused by a covered peril, such as vandalism, theft, fire, or a falling object. However, it’s important to note that comprehensive coverage usually has a deductible, which means you would be responsible for paying a portion of the cost.
- Collision Coverage: Collision coverage is designed to cover damages resulting from a collision with another vehicle or object. While it typically does not cover routine paint jobs, it may cover the cost of repainting if the damage was caused by an accident.
- Regular Wear and Tear: Auto insurance generally does not cover paint jobs due to regular wear and tear, such as fading or chipping over time.
- Custom Paint Jobs: If you have a custom paint job on your vehicle, it may not be fully covered by standard auto insurance policies. You may need to purchase additional coverage specifically for customizations.
- Policy Terms and Conditions: It’s crucial to review your specific insurance policy to understand the coverage details, exclusions, and limitations related to paint jobs.
What is the process for filing an insurance claim for a paint job?
To file an insurance claim for a paint job, you should contact your insurance provider and provide them with all the necessary details of the incident or damage. They will guide you through the claims process, which may involve providing documentation, obtaining repair estimates, and scheduling an inspection.
Will my insurance rates increase if I file a claim for a paint job?
Filing a claim for a paint job may impact your insurance rates. While it depends on various factors, such as your insurance company’s policies and your claims history, filing a claim could potentially lead to an increase in your premiums. It’s advisable to consider the cost of the repair compared to your deductible and potential rate increase before deciding whether to file a claim.
Can I choose any repair shop for a paint job covered by insurance?
The choice of repair shop may vary depending on your insurance policy. Some insurance companies may have a network of approved repair shops where you can take your vehicle, while others may allow you to choose any reputable shop. It’s important to check your policy or contact your insurance provider to understand the specific guidelines regarding repair shop selection.
What happens if I don’t have comprehensive or collision coverage for my paint job?
If you don’t have comprehensive or collision coverage, the cost of a paint job would typically not be covered by your insurance. In such cases, you would be responsible for covering the expenses out of pocket.
Can I add coverage for paint jobs to my existing policy?
Depending on your insurance provider, you may have the option to add additional coverage for paint jobs. Some companies offer specific endorsements or add-ons that provide coverage for custom paint jobs or protection against certain perils that could damage your vehicle’s paint. Contact your insurance provider to inquire about available options.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.