Do auto insurance companies replace paint protectants (a plastic shield over part of vehicles to protect from chips and scratches) in a total loss

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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: Nov 30, 2012

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Insurance Question from Minneapolis, MN

Asked on 11/30/2012

Do auto insurance companies replace paint protectants (a plastic shield over part of vehicles to protect from chips and scratches) in a total loss My 2012 vehicle was involved in a hit and run where the car behind me rear ended me and took off. The car was declared a total loss from my insurance company. Being a brand new car, I had protectants placed on my car for paint, fabric, and glass which would be included in a repair, but, my insurance company says not in for a total loss and not part of the settlement. Is this correct or should I persue further actions?

Answer given on December 11, 2012

If your car was considered a total loss due to a not at fault accident, your insurance company will pay the actual cash value of the car. This is determined by the insurance company through current value determinations through Kelly Blue Book, and other car pricing companies. The actual cash value is not always going to work as to the amount you owe on the car if you have a loan.You can ask the adjuster to review the amount being offered for your car. You can include the cost of the protectants that you had added to the car at the time of the purchase, but the adjuster may not accept the additional costs. You should check around to be sure the value being offered is the current value of your car, as a used car. It is no longer a new car, so the value will be lower than the cost new. You can check with local dealers and ads as well as the internet, but the values must come from your area, as costs vary throughout the country.

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