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I own a honda pilot suv, I have full coverage insurance on this vehicle. My pilot has bad sun damaged paint I live in a salty dessert area. I wanted to know if my insurance company would cover the cost to repaint my suv. Any infor is appreciated. Thanks……

6 Thoughts on Car Insurance coverage, will my insurance provider cover sun damage paint?
  1. Reply
    May 22, 2013 at 4:58 am

    I would imagine not since that is an “act of God” or neglect on your part for not protecting it and they don’t cover those things.

  2. Reply
    May 22, 2013 at 5:50 am

    Insurance does not cover normal wear and tear. And it sounds like sandblasting and salt is normal for your area.

  3. Reply
    May 22, 2013 at 6:49 am

    No. Insurance covers sudden events, like fire, theft, collision, flood, etc. It does not cover gradual deterioration.

  4. Reply
    May 22, 2013 at 7:18 am

    Do you have a deductable? If not or if it is small, you may be able to create a claim. I would call a body shop and ask them before you call your insurance company. They would know best. Call a big body shop in your area, because they have in-house adjusters and they will have more pull over little paint shops.

  5. Reply
    May 22, 2013 at 7:49 am


  6. Reply
    May 22, 2013 at 8:43 am

    Sun damage isn’t covered under auto insurance.

    Collision covers something hitting the car (like another car or a bike) or the car hitting something, or flipping over. Comprehensive covers fire, theft, vandalism, broken glass, hitting an animal, hail, flood, and falling objects.

    Nothing covers “sun damage”. Probably because exposure to the sun is normal, and expected, with a car.

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