Can you use car insurance to cover routine body work on a Ford F-150 truck?

My truck is old and I'd like to get some body work done to spruce it up. Can I use my insurance policy to cover the body work?

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Sophie Newman
Answered on May 24, 2021
“The short answer is no. Your auto insurance will only cover damage that’s listed under the specifications in your policy, and body work as a result of years of wear and tear is generally not included as part of that coverage.
That said, if you happen to have an accident that damages the exact same part of your truck that you would like to repair or replace, you may get lucky and be able submit a claim for those damages. “
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