Does Insurance Cover Paint Jobs?
When it comes to car care, regular maintenance such as oil changes, tune-ups and tire rotation can help to keep your vehicle running smoothly. However, from time to time, you may need to give your car a makeover with a fresh coat of paint.
Having your car professionally painted can be expensive and you may be wondering if your car insurance will cover the cost of getting a paint job. The answer depends on the type of policy you have and the coverage it provides.
What Does Standard Auto Insurance Cover?
Most standard auto insurance policies provide coverage for certain accidents and repairs, but they typically will not cover cosmetic damage such as chipped paint or fading. Even fully comprehensive insurance policies may not include coverage for paint jobs as part of their standard package.
Paint Coverage
If you would like to have your car repainted, there are some auto insurance policies that offer paint coverage as an add-on. In some cases, you may be able to add coverage for paint as an endorsement that provides additional benefits.
Some insurers offer a paint restoration option that pays for the cost of restoring your car’s paint job. This usually includes minor damage such as chips, scratches, and fading.
In addition to paint restoration coverage, some insurers may also offer paint replacement coverage, which covers the cost of repainting your car in the event it is completely repainted due to a major accident or damage.
What To Consider
Before you decide to add paint coverage to your existing auto policy, it’s important to consider the cost of the coverage and whether it’s worth it when compared to the cost of getting a paint job without the coverage.
Some things to consider include:
- The cost of the paint coverage: How much will it cost to add the coverage to your policy?
- The cost of a paint job: How much will it cost to get a paint job?
- The age of your car: Is your car new or older? Some insurance companies may offer more lenient coverage options for newer vehicles than for older models.
It’s also important to review the fine print of your policy to see what type of coverage it offers and if there are any exclusions or conditions that you should be aware of.
Final Thoughts
When it comes to getting your car painted, it’s important to understand what coverage you may have, if any, and what your options are. Before you decide to get a paint job, make sure you are adequately covered or that you are prepared to pay for the costs out of pocket.