Paint damage after a car accident is more than just cosmetic—it can affect your vehicle’s value and even lead to rust or further damage if left untreated. If you’re driving around Brownstown, Trenton, or Southgate, and your car’s paint took a hit during a recent crash, you might be wondering: Will my insurance cover it?
Let’s break it down so you know what to expect when it comes to insurance, paint repairs, and what your next steps should be.
When Does Insurance Cover Paint Damage?
Insurance coverage depends entirely on the type of policy you carry.
1. Collision Coverage
If the paint damage resulted from a car accident—whether it’s a fender bender in Woodhaven or a rear-end crash in Taylor—collision coverage will likely pay for repainting the damaged areas. This applies whether you were at fault or not.
2. Comprehensive Coverage
If your car was vandalized or hit by a falling object (tree limb, shopping cart, etc.), comprehensive insurance may kick in to cover the cost of repainting. This also applies if you were affected by extreme weather events common in the Downriver area.
3. Liability-Only Insurance
If you only carry liability insurance, it won’t pay for your paint damage. Liability only covers damage you cause to other people’s property—not your own. This is common with older vehicles or leased vehicles that people want to insure cheaply.
What If the Other Driver Was at Fault?
Let’s say someone rear-ended your vehicle in Southgate or Flat Rock. If they are found at fault, their liability insurance should cover all repair costs—including paint.
However, insurance companies may try to lowball the estimate or only pay for “blending” instead of a full repaint. That’s why it’s critical to work with a repair shop like The Collision Shop of Brownstown, where we deal with insurers every day and advocate for full, proper restoration—not partial fixes.
Will Insurance Cover a Full Repaint?
Not usually. Insurance companies won’t pay to repaint the entire vehicle unless the whole car was damaged in the crash. They only pay for affected panels. So if just your rear bumper or one door was scraped, they’ll cover repainting those sections—not the entire car.
To match the new paint with the old, auto body shops often use a technique called paint blending. This helps new paint transition seamlessly into the surrounding panels so your vehicle looks as close to factory-new as possible.
What About My Deductible?
Before your insurance pays for anything, you’ll need to cover your deductible—often $500 or $1,000, depending on your policy.
At The Collision Shop of Brownstown, we may be able to help reduce or waive your deductible, depending on your situation. We’ll work directly with your insurance company to maximize your repair value while minimizing out-of-pocket costs.
Don’t Let Paint Damage Go Untreated
If the accident left deep scratches, exposed metal, or chipped areas on your car, it’s not just about looks. Exposed areas can rust quickly, especially with Michigan’s unpredictable weather.
Even a few weeks of delay could lead to more costly repairs down the line. Paint damage should be addressed quickly and professionally—not with a DIY kit or cheap job that won’t last.
Why Choose The Collision Shop of Brownstown?
At The Collision Shop of Brownstown, we’ve helped thousands of drivers from Brownstown, Trenton, Woodhaven, Southgate, Flat Rock, and Taylor restore their vehicles after accidents.
✅ We work with all major insurance companies
✅ We offer lifetime warranties on paint and repairs
✅ We provide free loaner vehicles during repair
✅ We can help cover your deductible
Our team uses factory-packaged paint systems to ensure your vehicle’s new paint matches perfectly and lasts for the long haul. Plus, we always detail the car inside and out before delivering it back to you.
Call Today or Stop In
Got into a crash and worried about your paint? Don’t guess—get answers and expert help from your local collision pros.
📍 19810 Allen Road, Brownstown, MI 48183
📞 (734) 479-6611
🌐 www.thecollisionshopbrownstown.com
Don’t let insurance confusion or paint damage cost you more than it should. Call The Collision Shop of Brownstown today to schedule a free estimate and find out how we can restore your vehicle—and your peace of mind.
