Should Car Paint Touch-Ups Be Covered by Insurance?

[VonGrant]

Whether car paint touch-ups should be covered by insurance is detailed as follows: 1. Scratches: If the scratched-off paint area is on the rear bumper, and you have scratch insurance, it's advisable to wait until the insurance is about to expire to have the entire car touched up. Insurance premiums will only increase the following year if you file multiple claims within a year. 2. Repair Compensation: Filing an insurance claim doesn't necessarily mean your premium will increase the next year. However, if the paint is chipped on a metal part, it should be repaired promptly, such as in cases where another car rear-ends yours. 3. Minor Paint Chips: If the paint chip is minor and not severe, it's better to pay for the repair out of pocket. Additional information: Quick Paint Touch-Up: A common scenario is when a car is parked in a residential area and the door gets a large scratch. Traditional paint touch-ups, whether done at a 4S shop or a repair shop, usually take one to two days. After the repair, you're often advised not to wash the car or perform any beauty treatments immediately. Quick paint touch-ups can restore the damaged area in 40 minutes to two hours. This is what quick paint touch-up entails.