Car insurance may cover paint chips that result from a covered event. However, peeling and rust that develop over time are not insured, according to esurance. You also need to factor in your deductible and the cost of the repairs.
Wear versus Accident
If you only carry liability auto insurance, you don't have coverage for paint chips to your vehicle. If you carry collision and comprehensive protection, your insurance pays for any damages to your vehicle following an accident. Body damage is repaired and repainted as needed. Vehicle insurance isn't designed to insure regular wear over time, though. Car paint often peels and chips from continuous exposure to the sun, or trips through rough terrain. If you drive on a gravel road, for instance, rocks may fly up and hit the side of the car. This kind of damage is typically not covered.
The Deductible Factor
Even when an accident or vandalism causes paint to chip, you need to consider your deductible. If vandals make minor chips in the car that would require $500 to fix, paying out of pocket may make more sense than paying a $250 or $500 deductible on a claim. Some insurers even offer premium rebates or discounts for zero-claim years.
- Photo Credit Bogdanhoda/iStock/Getty Images
What Does PIP Insurance Cover?
In so-called "no-fault" states, you must purchase personal injury protection, or PIP insurance. There are 12 such states plus the District of...
Why Do Red Cars Have Higher Insurance?
An ongoing rumor that owners of red cars pay higher insurance rates than other colors rightfully begs the question: Is there indeed...
What Causes Paint Chipping on Cars?
Due to the high expectations placed on car paint---a lustrous shine, an ability to stand up to extreme weather, etc.---it is some...
Is Damage to the Inside of My Car Covered by Insurance?
While most people associate vehicle damage with the outside of the car, many drivers wonder if their insurance companies will pay for...
How to Settle a Car Insurance Claim Due to a Flood
Comprehensive coverage, or other than collision coverage, generally provides reimbursement for any damage sustained to an auto due to falling object, fire,...
How to Compare Auto Paint Prices
When comparing auto paint prices, there are many factors to consider and your budget is only one issue. What you expect from...
Does Comprehensive Insurance Cover Paint Damage?
Comprehensive insurance covers damage to an insured vehicle for losses incurred as a result of an accident not involving a collision. These...
What Damages Car Paint?
Your car's paint job protects the underlying steel from rusting. Keeping your paint job in good condition plays an important role in...