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Why your insurance won't pay for your car to be painted?

Updated: 8/18/2019
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13y ago

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In general, collision or comprehensive coverage do not cover merely cosmetic matters, unless connected to a covered cause of loss. That is, if the car is in a collision and physical damage is sustained, repainting of at least the damaged part the of the car is likely to be covered because it is needed to return the car to its pre-collision condition.

However, if the repainting is needed due to fading or ordinary wear and tear, it will not be considered to be a covered cause of loss--it is merely a maintenance issue.

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Q: Why your insurance won't pay for your car to be painted?
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