What happens when your wrapped car
gets in an accident?
Thinking of vinyl wrapping your car but unsure about whether insurance covers wrapped cars? The answer is yes you can insure your vinyl wrapped car, provided the modification meets state and territory registration requirements. The vinyl wrapping will be replaced if subject to accidental damage when covered by comprehensive car insurance policy. However you do need to confirm with your insurance company if they will cover as some will not cover a vinyl wrap.
What is covered?
If an at-fault party causes damage to your car, your insurer may only cover the cost to repair the section of the car that has received damage. This means, if your car has a vinyl wrap, your insurer may only cover the cost to re-wrap the section that has been damaged rather than re-wrapping the entire vehicle.
At LSN WRAPS we are a repairer for multiple insurance companies, If you have insurance that allows you to nominate your repairer we are able to assist
for more information its best to read your PDS of your policy or give us a call to find out more.
Do I have to advise my insurance company my car is wrapped?
Yes, you must advise your insurance company of any modification to your car including wraps. if you have your car wrapped and you have not advised the insurance company, the insurance company will not cover you for the replacement of the wrap only the damage to the car. wrap is a modification and the insurance company must be advised.
a great example: if you were to wrap you car mirror chrome, in certain states its an illegal modification due to distraction to other drivers this may mean your insurance could be voided and will not pay out. leaving you with a hefty bill.