{"id":47246,"date":"2024-08-16T13:42:40","date_gmt":"2024-08-16T17:42:40","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=47246"},"modified":"2025-12-09T11:35:43","modified_gmt":"2025-12-09T16:35:43","slug":"does-car-insurance-cover-paint-damage","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-car-insurance-cover-paint-damage","title":{"rendered":"Does car insurance cover paint damage?"},"content":{"rendered":"\n<p>Your car insurance can cover the cost of paint, but it may not always be worth filing a claim. Here\u2019s what you need to know about how car insurance can cover paint damage.&nbsp;<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#when\">When does your car insurance cover a paint job?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#deductible\">Deductibles and paint damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#common\">Common situations for paint damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#not\">When does your car insurance NOT cover a new paint job?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#filing\">Filing a claim for paint damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#faq\">FAQ<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#conclusion\">Conclusion<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"when\"><h2 style=\"margin-bottom:0px;\">When does your car insurance cover a paint job?<\/h2><\/a>\n\n\n\n<p>Depending on the circumstance, either your <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-car-insurance-cover\">Collision or Comprehensive coverage<\/a> will pay for paint damage. These are optional coverages that help pay for damage to your car.&nbsp;<\/p>\n\n\n\n<p>Collision coverage pays for damage to your car if it hits another vehicle or stationary object or is hit by another vehicle. Comprehensive coverage pays for damages not related to a collision.&nbsp;<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\" \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Collision coverage may cover:<\/strong><\/td><td style=\" \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Comprehensive coverage may cover:<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting another vehicle\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Natural disasters and storms<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by another vehicle\n<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Vandalism<\/td><\/tr>\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting a stationary object\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by animals<\/td><\/tr><\/table><\/div>\n\n\n\n<p>Collision and Comprehensive coverage are not typically required for insurance policies. However, if you owe money on your car you may be required to carry either or both as a term of your loan or lease. Check  with your insurance company or agent to see if you have Collision or Comprehensive coverage on your vehicle.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"deductible\"><h2 style=\"margin-bottom:0px;\">Deductibles and paint damage<\/h2><\/a>\n\n\n\n<p>When it comes to Collision and Comprehensive coverage, you must pay your deductible before your insurance will start paying for damage expenses. A <a href=\"\/resources\/what-is-a-deductible-in-car-insurance\">deductible is your share<\/a> of the cost for a claim. It\u2019s not the same as a premium, which is what you pay to maintain your policy.&nbsp;<\/p>\n\n\n\n<p>For example, say your Collision deductible is $500, and the cost to repair damaged paint on your bumper is $1,000. In this case, you would pay your deductible of $500 and your insurance will pay the remaining $500.&nbsp;<\/p>\n\n\n\n<p>However, if it\u2019s only <a href=\"\/resources\/scratches-and-dents-will-car-insurance-cover-minor-damage\">minor cosmetic damage<\/a>, you may not meet your deductible and it may not be worth filing a claim.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"common\"><h2 style=\"margin-bottom:0px;\">Common situations for paint damage<\/h2><\/a>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Collision<\/strong><\/h3>\n\n\n\n<p>It\u2019s common for body panels or paint to be damaged in a collision. Replacement parts like bumpers and fenders are typically not painted from the factory. They will need to be painted by a body shop, which adds an additional cost to the repair.&nbsp;<\/p>\n\n\n\n<p>If another person damages your paint as a result of a collision they\u2019re at fault for, you may be able to recover expenses from their insurance company.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Vandalism<\/strong><\/h3>\n\n\n\n<p>Vandalism is covered under comprehensive coverage. Your car insurance can help pay to repair cosmetic damage as a result of vandalism, but it may not be worth filing a claim if the damage is minor.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Natural disasters<\/strong><\/h3>\n\n\n\n<p>Your comprehensive coverage will help pay for damage caused by natural disasters.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"not\"><h2 style=\"margin-bottom:0px;\">When does your car insurance NOT cover a new paint job?<\/h2><\/a>\n\n\n\n<p>Coverage for paint damage depends on your insurance policy and the circumstances surrounding the damage. While paint damage is covered by collision and comprehensive coverage, there are situations where your coverage may be limited or not applicable.&nbsp;<\/p>\n\n\n\n<p>The most common situation for paint damage not being covered is if you don\u2019t carry the right coverage. Your car insurance will not cover paint damage if you don\u2019t already have the applicable coverage, whether that&#8217;s collision or comprehensive.&nbsp;<\/p>\n\n\n\n<p>Your insurance will not cover pre-existing damage or manufacturing defects. For example, if you bought a used car and the body needs paint work, your new car insurance policy will not pay to fix it.&nbsp;<\/p>\n\n\n\n<p>Insurance will also not cover paint damage as a result of normal use, age or wear and tear. For example, your insurance may not cover rock chips that will occur from daily driving.&nbsp;<\/p>\n\n\n\n<p>Keep in mind that your insurance will only pay for necessary repairs. This means that your insurance company probably won\u2019t pay to repaint your entire car when you only need a single panel.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"filing\"><h2 style=\"margin-bottom:0px;\">Filing a claim for paint damage<\/H2><\/a>\n\n\n\n<p>If your car has suffered paint damage and you wish to file a claim, don\u2019t delay. Call your insurance company as soon as possible and report the damage.&nbsp;<\/p>\n\n\n\n<p>We know that filing any kind of car insurance claim, even a small one, can be stressful. Our unique claims services will simplify the process, getting you back on the road in no time.&nbsp;<\/p>\n\n\n\n<ol><li><strong>File your claim<\/strong><br \/>Please have your policy number ready. You can file a <a href=\"https:\/\/efnol.plymouthrock.com\/#\/login\">claim online<\/a> or by <a href=\"https:\/\/www.plymouthrock.com\/contact\">contacting us<\/a> or your agent directly.<\/li><li><strong>Assignment and tracking of the claim<\/strong><br\/>After you report your claim, you\u2019ll receive a claim number to help track its progress. We\u2019ll also assign you a friendly representative to answer any questions you may have.<\/li><li><strong>Damage evaluation<\/strong><br\/>If your vehicle has damage and the applicable coverage applies, we offer these convenient options to get you back on the road as soon as possible:<ul><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/carpics-photo-appraisals\">CarPics<sup>\u00ae<\/sup> photo appraisals<\/a>:&nbsp;Eliminate the need to schedule a claims inspection and receive your estimate within hours. You may even get paid that same day.*<\/li><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/services\/crashbusters\">Crashbusters<sup>\u00ae<\/sup> mobile claim service<\/a>:&nbsp;Have a representative meet you to appraise the damage at a time and place that\u2019s convenient for you, often issuing you a check on the spot.<\/li><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/services\/door-to-door-valet-claim-service\">Door to Door Valet Claim Service<sup>\u00ae<\/sup><\/a>:&nbsp;Let us pick up your car and handle the repair process from start to finish. If you have rental coverage, we\u2019ll even coordinate a rental car.<\/li><\/ul><\/li><li><strong>Receive your claim settlement<\/strong><br \/>Based on your situation, Plymouth Rock may pay your claim to the repair shop or we may reimburse you directly. Your claim payment will be based on the terms and coverage in your car insurance policy.<\/li><\/ol>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"faq\"><\/a><h2 style=\"margin-bottom:0px;\">FAQ<\/H2>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"47251\" class=\"elementor elementor-47251\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c57ca94 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c57ca94\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05f8225\" data-id=\"05f8225\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-042574c elementor-widget elementor-widget-accordion\" data-id=\"042574c\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4341\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4341\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Are manufacturing defects in the paint job covered by car insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4341\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4341\"><p>Manufacturing defects in your paint job will not be covered by car insurance. It may instead be covered by the manufacturer\u2019s warranty if you bought your car new, or by a workmanship guarantee or warranty by the body shop.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4342\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4342\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Will my car insurance pay for paint repairs if I accidentally scratch my car?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4342\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4342\"><p>If you accidentally scratch your car, the damage may not meet your deductible. Your insurance would not cover the damage if it\u2019s minor.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4343\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4343\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What if an uninsured driver damages my car\u2019s paint?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4343\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4343\"><p>If an uninsured driver damages your car\u2019s paint, it\u2019s unlikely you will be able to recover expenses from them. The best way to protect your vehicle in this case is to carry comprehensive and collision coverage.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"conclusion\"><h2 style=\"margin-bottom:0px;\">Conclusion \u2013 Does car insurance cover paint damage?<\/h2><?a>\n\n\n\n<p>Your car insurance can pay for paint damage if you carry collision and\/or comprehensive coverage and the damage is the result of a covered claim. Contact your insurance company for details on what your policy covers.&nbsp;<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<p style=\"font-size:10px; margin-top:15px;\"><sup>*<\/sup>Certain restrictions apply.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You car insurance may be able to cover paint damage if you have the right coverage. Here&#8217;s what you need to know.<\/p>\n","protected":false},"author":6,"featured_media":47249,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[79,83,80,81,82,84],"class_list":["post-47246","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does car insurance cover paint damage?<\/title>\n<meta name=\"description\" content=\"You car insurance may be able to cover paint damage if you have the right coverage. 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