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.
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