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Professional Painting and Auto Collision

Professional Painting and Auto Collision

Does Comprehensive Insurance Cover Paint Repair?

The answer to these questions will depend on your insurance provider. Most comprehensive insurance providers will cover automotive painting, even if it is not caused by an accident. Paint repair that is needed due to fire, theft and vandalism is also covered. Normal wear and tear is not normally covered by insurance.

Small Disasters

Depending on your insurance provider, paint repair could be covered even if the damage is not caused by an accident or collision. If the damage is covered, the amount that is covered will depend on the type of damage to the car. Most comprehensive insurance covers fire, theft, vandalism, animal damage, and falling debris.


In many cases, comprehensive insurance will not cover the paint repair needed after an accident. If you want to have paint repair covered by insurance after an accident, you would need to have collision coverage. This type of coverage will cover all the damage caused by an accident.

Normal Wear and Tear

It is normal for paint to fade over time, and is considered to be wear and tear. This means that damage caused to paint caused by the elements is not covered by insurance. Damage caused by the age of the paint is also not covered. If your car has GM warranty paint that needs repair from a manufacturer defect, this is covered by the manufacturer. The defects that are covered will depend on the manufacturer.

Know Your Deductible

Before you make the decision about if you are doing have the cost of the paint repair covered by insurance, you should check the paint repair cost and the deductible. The deductible is the amount of money that you have to pay before your insurance provider will start paying, generally the lower the monthly payments, the higher deductible and vice versa.

This means that having paint repair done could cost less, in the long run, to pay out of wallet for, than using insurance coverage. Any claims on your insurance can cause your rates to increase for to up 5 years, depending on the claim. If other repairs need to be done on the car, due to an accident or any other cause, you may want to go through insurance since the costs of repairs are will be much higher than your deductible.

If you are wondering if automotive painting is covered by your insurance, you should check with your insurance provider. Knowing this information before you need to have paint repair done can save you a lot of time when you need these services. This information is also important to make the decision about if you should use your insurance coverage. Simms Body Shop in Clio, Michigan works with both car’s owners and insurance providers and provides GM warranty paint.

4220 W. Vienna Rd
Clio, Michigan 48420

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