Does the comprehensive insurance allow me to repaint the car?

With the purchase of a new car comes that obsession with overprotection that only heals with the passage of time. In the first months, if possible, we would surround it with bubble wrap so that it would not rub against it or the air. This excessive pampering is what in many cases makes a comprehensive insurance contract with which to be able to repaint the body just suffers that first scratch that hurts almost more than a cut on our own skin. A very common mistake among novice owners, since not even a comprehensive insurance without excess, allows you to repaint the car without any extra cost. People who prefer to buy used cars in Japan have no worries about insurance.

Do not forget that insurance is made to cover users and damage to the car in case of mishap; It is not a vehicle maintenance service. That is why each repair that you want to carry out must be accompanied by an accident report and by the supervision of an expert.

Does the comprehensive insurance allow me to repaint the car?

There are basically two types of insurance: full risk and the third party. The latter covers damages caused by "third parties" and the full risk also includes those that you do to your vehicle. This last point is the one that misleads the owners of the car believing that "as I have done the stripes and I have a full risk, that they repaint it". This is partly true, but a number of important factors enter into this equation.

An insurance company divides the car into five parts: front, two sides, rear, and roof. That is to say, if you had comprehensive insurance that covers your own damages and you wanted to paint the entire body, you should spend no less than five individual parts to be able to repair it completely. And this would in no way pay off, since either the renewal of the letter would go up a lot if the insurance is without excess, or a lot of excess money would be paid since the franchised amount could be multiplied by five. For example, if a franchisee of 200 euros has been made, 1,000 euros would have to be paid and if the invoice exceeds that amount, the company would take care of the rest, but it would have an impact on an increase in the fee in the next renewal.

Of course, there is the possibility that all the damages have been done in the same claim, but that should be determined by the expert. In addition, there are companies that do offer the option of repainting the entire car, but with an all-risk policy and after having completed a certain number of years without declaring any accident report.