Car Insurance Claims for Paint Damage (Part I)

Car repainting is almost always included in a car (collision repair) process, and the insurance company may pay for it depending on the type of insurance of a policy holder.

An article on Finder.com offers a guide on insurance coverage for paint damage, including types of coverage and exclusions. This article is the first part of the two-part series on the topic.

Insurance Coverage for Paint Damage

The insurance company usually pays for damages as a result of an insured event. Making a claim specifically for paint damage is usually available only to insurance policy holders who have comprehensive insurance policy.

As stated in the same article, comprehensive insurance gives coverage for a car paint job because of an accident, theft, vandalism, storm or any other incident.

But, if paint damage is a result of a car crash with another driver, policy holders with comprehensive insurance cannot make a claim.

Property Damage Liability Coverage and Collision Coverage

Property damage liability insurance generally only pays for paint damage made to the other party’s car if a policy holder is at fault. But, the coverage also extends to the policy holder if the other party is at fault.

Insurance (policies) that have liability only coverage do not pay for a new paint job after an accident that a policy holder caused.

Collision coverage, on the other hand, pays for repairs of property if the policy holder is at fault.  paint job after accident is most likely covered by collision coverage.

However, the coverage does not include pre-existing paint damage. A car that has been hit on the rear, for example, does not have coverage for repairing a bumper that was damaged before the accident.

(Paint and body work) repair shops offer discounts that will be applied to the deductible to help customers get a lower out-of-pocket expense. Five Star Autoplex, for example, provides a way for customers to save up to $1,000 on their deductibles.

The company is a trusted  car (collision repair) shop in Fort Worth, Texas. And, it offers 100% customer satisfaction guarantee while keeping repair costs low. Get a free estimate now!