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
- Another vehicle grazes your car in a parkinglot but the driver is not identified.
- Your car's paint is damaged by weather events, such as a hailstorm.
- You accidentaly crash into another vehicle or standing object and your car's paint gets damaged.
Remember that if the damage was not caused by a covered incident, it will not be covered. Neither collision nor comprehensive insurance will cover paint damage that resulted from negligence, poor maintenance, or normal wear and tear. Additionally, if the damage was caused by another driver, their liability insurance would be responsible for covering it.
What To Do If Paint Damage Occurs
- File a police report as soon as possible if the damage was caused by another person or by a crash. If there were no other people involved, you may not need a police report to file a claim, such as if a tree falls on your vehicle.
- File a claim with your insurer under your comprehensive or collision insurance policy.
- Work with an insurance adjuster to finalize your claim.
Full coverage car insurance normally includes comprehensive and collision insurance and at least the minimum insurance coverage required by state law. Full coverage policies are designed to provide protection for car accidents and non-accident-related damage to ensure the policyholder is covered regardless of fault.
To learn more, check out WalletHub’s guide to full coverage car insurance.
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