Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • There are many common reasons why you may need a paint job for your car
  • Only certain types of coverage will pay to have your car painted
  • You must make a few specific arrangements with your insurance company to ensure that your paint job will be covered

Many people think that if there’s any issue related to the car, then the car insurance company will pay. When it comes to paint jobs, this is not necessarily the case.

There has to be a good reason for needing the paint job. Additionally, you need to have the right coverage to ensure the insurance company doesn’t deny your claim.

If you want better insurance that might cover a paint job on your car, start comparison shopping for better auto insurance rates today! Enter your ZIP code above!

Top Reasons for Needing a Paint Job


There are all sorts of reasons for needing a paint job on your car. If you don’t like the look of your vehicle because the paint has started to come off, you could file a claim.

However, there is no guarantee that the insurance company will pay for the new paint job – especially if it isn’t covered by your insurance coverage.

Some of the most common reasons for needing a paint job include:

  • Desire to improve aesthetics
  • Fix sun damage
  • Hail damage
  • Damage from a car accident
  • Damage due to a collision with an inanimate object

Only some of these reasons would be covered by your insurance. Some kind of damage has to occur before insurance even thinks about covering the paint job.

In many instances, the paint job will be to fix a very specific area, not the entire car. You might be painting just the hood, a fender, or another part that needs to be painted in addition to repaired (or replaced) so that it matches the rest of the car.

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Insurance Needed to Take Care of a Paint Job

Different types of insurance coverage will take care of different reasons for needing a paint job.

Basic Auto Insurance

If you get into a car accident with another vehicle, your car repairs would be covered as part of the property damage liability.

After you go into an adjuster and body repair shop to get an estimate, they will assess the damage. They will tell you what needs to be done and what the total cost is.

The total cost will not be applicable, however. As long as it is below your total liability amount, the only amount you pay out of pocket is the deductible.

With the repairs, there might be the need for the body shop to replace a bumper and a fender. These would have to be painted to match your car’s color.

Depending upon other damage, the body shop might also have to touch up other areas that were damaged in the accident as well. Touch-up paint jobs are the only type of paint job that would be covered by basic auto insurance.

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Collision Insurance

Collision insurance is what’s required if you want to be covered any time you collide with an inanimate object, such as a telephone pole, a mailbox, or something else.

It’s likely that you would need a paint job after hitting an object because of the paint scraping.

In some instances, there would be no need to replace parts. The body shop might decide you only need a paint job – and that would only cover the panels that were damaged.

Comprehensive Insurance


Comprehensive insurance will cover non-driving related incidents, such as:

  • Hail damage
  • Rogue shopping carts
  • A tree falling on your car
  • Other things that you cannot typically avoid

Hail, especially when it’s sizable, has the potential to damage your clear coat. A shopping cart could easily take off some paint from your door. If a tree falls on your car, you would probably need a hood replaced, and that would require a paint job as well.

These are the different reasons for needing a paint job that the insurance would cover. However, the right coverage is needed for the claim to be accepted.

You have to look at what your policy consists of. Otherwise, if you want the paint job taken care of, it would be completely out of your pocket – and this can add up quickly.

How to Find Complete Car Insurance

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Shopping online is one of the easiest ways to get car insurance quotes, allowing you to get quoted from multiple insurance companies at once.

Shopping online also allows you to make comparisons between the different companies to see what they are quoting you for the same level of coverage.

You need to enter basic information about you and your car, including:

  • Zip code
  • Driver’s license
  • VIN number
  • Safety features of car
  • Additional drivers

In addition to providing these things, you will need to decide what kind of coverage you want to be included in your quote. The online system will determine what state you are in and set the minimum level of insurance required.

From there, you can choose to add more in property damage, so you’re covered if your car gets damaged in an accident. You might also want to add coverage in the areas of collision and comprehensive.

This way, if something does happen to your car when you’re not driving it, or if you collide with something other than another car, you have the ability to file a claim with the insurance company.

Ultimately, paint jobs are paid for by the car insurance company if there’s a good reason for needing the paint job. Additionally, you need to have the necessary coverage in place so that your claim isn’t denied.

It doesn’t cost a lot to add extra coverage beyond what the state requires.

The benefit is that when there is hail damage or something else that damages your paint, you can turn to the insurance company for them to pay for it to be repainted as opposed to you having to pay for it all on your own.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

If you are in desperate need of a paint job and think you are qualified, compare at least three to four policies to find the best auto insurance rates to help you out! Enter your ZIP code below to begin!