Does Insurance Cover Damage to Car Wraps?

[HarrisonLee]

No, insurance coverage is limited to vehicle damage or personal injury and does not include other items such as car wraps, window films, or personal belongings inside the car. Below is relevant information about auto insurance: 1. Definition of Auto Insurance: Motor vehicle insurance, also known as auto insurance (referred to as car insurance), is a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Motor vehicle insurance, or 'car insurance,' is a transportation tool insurance that covers the vehicle itself and its third-party liability. 2. Insurance Scope: The primary clients of this insurance are legal entities and individuals who own various motor vehicles. The types of vehicles covered mainly include various types of cars but also extend to specialized vehicles such as electric cars, battery-powered vehicles, and motorcycles.

[McDelaney]

Last time I reversed into a pole and scratched a large section of the car wrap, so I immediately contacted the insurance company. Fortunately, I had purchased additional equipment insurance when I picked up the car. The claims adjuster came to take photos and told me it was covered under the policy, ultimately reimbursing nearly 80% of the cost. They explained that standard auto damage insurance doesn’t cover aftermarket additions like car wraps unless the accident is entirely the other party’s fault, in which case third-party liability insurance could be used. They recommended adding this supplemental coverage before applying a car wrap. The claims process is similar to a regular accident, but you need to keep the purchase receipt and installation records of the car wrap. By the way, minor scratches from small collisions usually aren’t covered—it has to be significant damage to qualify.

[DominicFitz]

Having handled numerous PPF (Paint Protection Film) insurance claims, here are some key takeaways. Whether PPF gets compensated hinges on two factors: accident liability and your insurance coverage. If the other party is fully at fault for scratching your car, file a claim under their third-party liability insurance—both PPF and paintwork will be covered. But if you back into a wall yourself, compensation depends on whether you've purchased additional equipment insurance; otherwise, insurers will definitely deny the claim. During damage assessment, proactively declare the PPF installation—many only receive compensation for panel beating and repainting due to unclear communication. Also, if PPF value exceeds 10% of the vehicle's worth, you may need to provide VAT invoices, a detail often overlooked.

[LaManuel]

I had the new car wrapped with a paint protection film right after picking it up, but later the rear bumper was scratched by a delivery guy's electric scooter. The traffic police ruled it as the other party's full responsibility. During the insurance assessment by the delivery guy's insurer, they proactively asked if there were any additional accessories, which was when I learned that the PPF could be claimed. They verified the brand and model of the PPF and compensated for the cost of re-wrapping based on the scratched area, without requiring me to pay for any additional equipment insurance. To summarize: In accidents caused by others, you can directly claim for the PPF; if it's your own fault, you must purchase specific insurance in advance. Minor scratches below the deductible aren't worth claiming, but for large damages, remember to keep photos of the scene.