Leif Olson, Car Insurance Writer
@leif_olson_1
Yes, comprehensive insurance does cover paint damage as long as the damage resulted from something that was not related to a collision with another car or stationary object. Comprehensive insurance only covers non-accident-related damage, such as damage from a falling tree, a natural disaster, vandalism, hitting an animal, fire or theft.
So, if the paint damage was caused by a collision with another vehicle or stationary object, or is just a result of normal wear, comprehensive insurance will not cover it. Collision insurance covers damage from car accidents.
When Comprehensive Does Cover Paint Damage
- The paint damage was caused by an animal.
- The paint damage was the result of hail or another natural disaster.
- The paint damage was caused by a tree or branch falling on the vehicle or hitting the vehicle.
Comprehensive insurance is subject to a deductible that must be paid out-of-pocket. As a result, if the cost to repair the paint damage is less than or similar to your deductible amount, it may not be worth filing a claim, even if it is technically covered.
When Comprehensive Does Not Cover Paint Damage
Comprehensive insurance will not cover paint damage if it was caused by a collision with another vehicle or object, or as a result of normal wear and tear. Additionally, if the damage was intentionally caused or the result of negligence, the insurer may deny the claim.
Does a Comprehensive Claim Raise Rates?
Even though a comprehensive claim may not affect your insurance rates as much as things like an at-fault accident, you still may see a slight change in your premiums after a comprehensive claim. Some states, like California and Oklahoma, do not allow insurance companies to raise rates for comprehensive claims.
To learn more, check out WalletHub's guide to comprehensive insurance.
People also ask
Does full coverage cover paint damage?
Yes, full coverage does cover paint damage. Paint damage is covered by either comprehensive insurance or collision insurance, both of which are main components of full coverage policies, depending on how the damage was caused. Comprehensive insurance covers paint damage if it was caused by something like vandalism or a natural disaster, while collision insurance would cover it if it were the result of an at-fault accident.
Situations Where Full Coverage Covers Paint Damage
- ...
Is it better to have comprehensive or collision?
It is better to have both comprehensive and collision insurance, as the combination is usually required for full coverage. Comprehensive insurance covers damage due to events beyond your control, while collision insurance covers crashing into another car or object.
Why You Should Get Both Comprehensive & Collision Coverage
If your car is leased or financed, your lender or lessor will likely require you to purchase comprehensive and collision insurance together. But even if you...
read full answer by WalletHub, Financial CompanyWhat does comprehensive insurance cover?
Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.
What Comprehensive Insurance Covers
- Theft
- Vandalism
- Floods
- Fires (not related to a collision)
- Natural disasters
- Animal damage (including hitting a deer or...
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