After a collision, your car may have suffered dents and scratches, among other things. When it’s been put back together and runs like new, does it look like new? At the very least, does it look (and run) like it did before the accident?
If the answer is no, it may be due to the paint job. Although your car can run safely without a proper paint job, it can be annoying to look at, and it can lead to a faster buildup of rust when the paint isn’t applied properly.
Estimates and Totaled Vehicles
When you take your vehicle to the repair shop, the first thing they’ll do is look at the damage and give you an estimate as to what it will cost to complete all repairs. Estimates aren’t always 100 percent accurate, which is why they’re called estimates, but they should include the cost of repainting the vehicle.
If the cost of the repairs is more than the value of the vehicle, it may be considered totaled. That means that if the cost, including the paint job, of returning the vehicle to its pre-accident condition is higher than its value, your insurance company may recommend not repairing it.
What does insurance pay for?
As always, your insurance company will pay for damage that is covered in your insurance policy, so it’s important to understand your policy. However, the following may give you an idea of what insurance will pay for.
If you want to have your vehicle repainted due to general wear and tear, rust, or peeling, it is unlikely that your insurance will pay for it.
If you are in an at-fault accident and you have collision coverage, your insurance company will likely pay for exterior paint. This may only cover the areas that were damaged, and not the entire vehicle.
If you are not at fault in an accident, the other party’s insurance carrier should pay for damage. If they are not insured or are underinsured, you can either take them to court, pay it yourself, or if you have uninsured or underinsured motorist coverage, that portion of your policy may cover the cost of a paint job.
If your paint is damaged due to non-collision incidents, like weather damage or vandalism, your insurance company may pay for a paint job under a comprehensive package if you included it in your policy.
What is the average cost of repainting a vehicle?
Repainting a vehicle isn’t cheap, especially if you want it done well. Averages range from hundreds to thousands of dollars, so it can significantly change the cost of an estimate.