Is Your Wrap, Ceramic Coating, or PPF Covered by Insurance?

When you’ve invested in premium automotive surface protection like a wrap, ceramic coating, or paint protection film (PPF), the last thing you want is for it to be damaged in an accident. While these enhancements offer outstanding protection and elevate your vehicle’s appearance, many car owners wonder: Are these upgrades covered by insurance?

The good news? In many cases, they can be! Let’s break it down.

1. The Role of Your Insurance Policy

The first step in determining whether your wrap, ceramic coating, or PPF is covered is understanding your insurance policy. Most auto insurance policies cover repairs or replacements for aftermarket modifications, but it’s crucial to report these upgrades to your insurer.

• Comprehensive and Collision Coverage: These policies typically cover vehicle damages caused by accidents, theft, or natural disasters, which can include repairs to surface protection.

• Documentation Matters: Provide your insurer with receipts and proof of installation. This ensures your upgrades are properly valued in the event of a claim.

2. Notifying Your Insurance Company

After applying a wrap, ceramic coating, or PPF, it’s essential to notify your insurance provider. While it might increase your premium slightly, this ensures that the enhancements are factored into your vehicle’s overall value.

What to Share with Your Insurer:

• Detailed invoices

• Information on the products used (e.g., XPEL PPF, ceramic coating brands)

• Installation photos or certificates from certified professionals

By being upfront, you reduce the risk of your claim being denied.

3. Accident Scenarios and Claims

If your car is involved in an accident, your surface protection can be affected. Here’s how insurance may address it:

• Minor Scratches or Peeling: PPF or wraps can often be repaired in sections rather than replaced entirely. Insurers may cover the cost of repair if it’s part of a claim.

• Severe Damage: If the damage is extensive, insurers might pay for full replacement of the wrap, PPF, or reapplication of ceramic coating after body repairs.

Tip: Work with a shop like Ceramic Bros, which is experienced in handling insurance claims for surface protection and certified by brands like XPEL and 3M.

4. Choosing the Right Installer Matters

Insurance companies may require proof that your upgrades were installed professionally. Choosing a certified provider ensures:

• High-quality installation

• Valid warranties on products like ceramic coatings or PPF

• Easier claims process when repairs or replacements are needed

At Ceramic Bros, we specialize in high-end installations and provide clients with all necessary documentation to support insurance claims.

5. Key Takeaways

To ensure your investment is protected:

• Notify your insurer of all aftermarket upgrades, including wraps, PPF, and ceramic coatings.

• Keep detailed documentation, including receipts, installation certificates, and product warranties.

• Choose an experienced, certified installer for seamless repairs and insurance claim support.

Need Help Navigating Insurance Claims?

At Ceramic Bros in Delray Beach, we not only install industry-leading surface protection but also assist our clients in dealing with insurance claims. If your wrap, ceramic coating, or PPF has been damaged in an accident, we’ll work with you and your insurer to restore your vehicle to perfection.

Contact us today to protect your investment!