Claim for paint is cracking

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 5, 2018

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Insurance Question from City of Industry, CA

Asked on 12/05/2018

Claim for paint is cracking I have 2009 Toyota Camry LE And has about 143K miles on it.Paint is cracking on hood,trunk,roof and hood.And have All state insurance .Will they pay for this type of claim?

Answer given on December 08, 2018

Due to the age and mileage on your car, it is unlikely that Allstate will pay for the cracking paint on the car. It actually sounds like the clear coat has been damaged or failed.  However, if you can prove there is some sort of contamination going on in the area where you live, such as heavy pollution from industrial companies, or fires, it is possible they may pay for the damaged paint. That could be considered a covered loss.  

You should also contact Toyota to see if they have any recall on the car due to a manufacturing defect or paint defect that could cover this damage. You can go through Toyota or ask your local dealership about this possibility.

It may just be that the exposure to the elements has worn the clear coat on the car. If you do not keep the car in a garage or carport, it is facing sun, weathering and possibly snow and ice which can all affect the paint job.

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