News & Advice

Whether insurance covers peeling paint on a car depends on the cause of the peeling and the specifics of your insurance policy. In general, auto insurance policies differentiate between issues arising from normal wear and tear versus those resulting from specific, covered incidents.

Here’s how insurance might handle peeling paint under different circumstances…

Comprehensive Coverage

• Covered Incidents – Comprehensive coverage typically includes damage from non-collision events like vandalism, theft, natural disasters (hail, storms, floods), and accidents involving animals. If the peeling paint is directly caused by one of these incidents, your insurance may cover the repairs, minus your deductible.
• Exclusions – Routine wear and tear or deterioration over time, which can include paint peeling due to age or exposure to elements, is generally not covered. Similarly, manufacturing defects might not be covered unless there’s a specific clause or recall.

Collision Coverage

• Covered Incidents – If the peeling paint is the result of a collision, whether with another vehicle or an object, collision coverage may pay for repairs, again subject to your deductible.

Manufacturer’s Warranty or Recall

• Factory Defects – If the peeling paint is due to a manufacturer’s defect, it might be covered under your vehicle’s warranty, assuming the warranty is still in effect. If there’s a recall related to paint quality or application, the manufacturer may repair the paint at no charge.

Special Circumstances

• Aftermarket Modifications – If peeling paint is related to aftermarket modifications or a previous repair job, insurance coverage can be complex and often depends on the specifics of the policy and the nature of the modifications or repairs.

Steps to Take

1. Review Your Policy – Check your insurance policy to understand what is covered and what your deductible is. Policies vary widely, so know the specifics of your coverage.
2. Contact Your Insurance Agent – If you’re unsure whether your situation is covered, your best course of action is to contact your insurance agent or company. They can clarify coverage and advise on the next steps.
3. Document the Damage – Take photos and gather any relevant documentation (repair records, warranty information) before filing a claim or discussing the issue with your insurer.

Insurance coverage for peeling paint on a car is not straightforward and depends on the cause of the damage and the terms of your insurance policy. Normal wear and tear are typically not covered, but damage resulting from specific incidents might be. Always check with your insurer for the most accurate information regarding your coverage.