If someone spill paint on my car, will insurance help pay the damage?

royphil345

Yes... You'd be responsible for whatever the deductable is on your policy and your rates might go up for making a claim. Risk of vandalism on your car will be considered greater. Sometimes it's better to take care of the smaller things yourself if possible in the long run...

The insurance company will always try to recover their money from the responsible party. If vandalism... You will probably be required to file a police report. If someone accidentally did it... The insurance company will go after them.

You could sue for damages youself in small claims court if you know who did it and have some kind of evidence or witness.

Silverstang

Should be the person that spilt it on your car, not your insurance.

bartzan41

If you have full coverage, yes. But there will be a deductible to pay. If it was intentional, you can call the law, get a police report, and then get a lawyer to attempt to sue for damages plus lawyer fees.

la428282

If you have comprehensive coverage it will be covered.

cheri h

doubtful

Infinity606

Oh yeah, your insurance can totally cover that as long as you have comprehensive coverage. Although, I would suggest talking to the person who spilled it on your car first for them to pay it as they are legally liable for your damages. And if they don't want to pay it out of pocket, tell them to put it to their carrier. Liability coverage would cover that, but depending on where and how it happened would determine which and what kind of policy should cover that. Good luck!

D.L.

If its someone you saw do it then there coverage should pay for it, but it would fall under comp coverage if you have it on your policy. You of course would have to pay your ded.

oklatom

If someone damaged your vehicle, they need to make you whole and restore your vehicle to it's original condition before they did whatever they did. Get an estimate of repair, and collect that from the person who caused the damage. If they can get all, or part of it back from their insurance, good for them, but that wouldn't affect you in any way, so why worry about what their insurance might or might not do?

shelcom

Only if you have comprehensive coverage and fill out a police report on the vandalism. You will have to pay your deductible.

the_cheeze_cop

You need to check with your company. Some have deductibles. Was this vandalism?

fisherwoman

If you carry full coverage insurance, it should pay, minus your deductible.

xwdguy

Your company would pay everything over the deductible.

If this was a professional painter (or spray painter), their business liability insurance would pay for this in full as an accident.

Or you could take them to small claims court.

Yes, jaja. I think they will if it is considered vandalism.

If the deductible is higher than the paint, its not worth it, but if it is not, it probably will pay for it.

Stoner

yea silver stang is right. but if you have the coverage they(your insurance) will pay for the repairs

person

yes

deb H

Many insurance policies cover "vandalism" which would certainly cover your problem. If it was not done maliciously, many policies will still cover it. The only way to find out for sure is to call you agent. A phone call is free! Good luck!

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