News & Advice

Whether insurance covers rock chips in paint depends on the type of auto insurance coverage you have.

Here’s how different types of coverage typically handle rock chips…

Comprehensive Coverage

• Coverage Details – Comprehensive insurance covers damage to your vehicle that’s not caused by a collision. This includes damage from natural events (like hail), vandalism, theft, and, in many cases, rock chips.
• Deductibles – If you file a claim for rock chips under your comprehensive coverage, you’ll likely need to pay your deductible first. If the cost to repair the rock chips is close to or less than your deductible, it might not be worth filing a claim.

Collision Coverage

• Coverage Details – Collision coverage pays for damage to your vehicle resulting from a collision, regardless of who is at fault. While it’s primarily meant for more significant damage, if rock chips are a result of a specific collision event, this coverage might apply.

When Insurance Might Not Cover Rock Chips

• Normal Wear and Tear – Insurance typically doesn’t cover maintenance issues or wear and tear, which can sometimes include rock chips, especially if they’re minor and considered part of the car’s normal usage.

Factors to Consider Before Filing a Claim

• Cost of Repair vs. Deductible – Evaluate the cost of repairing the rock chips against your deductible. For minor repairs that don’t exceed the deductible, it’s often more economical to pay out of pocket.
• Impact on Insurance Premiums – Filing a claim for minor damage might not be in your best interest if it leads to an increase in your insurance premiums.

Preventive Measures and Minor Repair Options

• Paint Protection Film – Consider applying a paint protection film to vulnerable areas of your car to protect against future rock chips.
• Touch-up Paint – For minor rock chips, using touch-up paint might be a cost-effective and quick solution.

Next Steps

If you decide to pursue a claim for rock chip damage, contact your insurance provider to discuss your coverage and the process. They can provide specific advice based on your policy details and the extent of the damage. In some cases, insurance providers might also recommend repair services that can fix the chips without requiring a full repaint, which could be more cost-effective and less likely to affect your premiums.