What Happens To Ceramic Coating In An Accident

Cody Brace • June 12, 2023

When a professional car detailer applies a ceramic coating to your vehicle, it isn’t cheap, so what sort of protection do you get as the owner of the car?  How are you guaranteed to get your money’s worth? 

It goes without saying that ceramic coating is often the most effective way to protect our cars, but it is also easily the most expensive.  There are ways that we can make sure that our ceramic coating is protected as well.

There are often many questions that we get here at Keystone Detail about what happens if we get our car ceramic coated and then proceed to be in a car accident.

We are going to cover exactly what happens in an accident regarding the ceramic coating protection that you have on your vehicle.

Does Insurance Cover The Cost To Replace My Ceramic Coating?

Yes, assuming your insurance company is a reputable company, insurance will have to pay for a ceramic coating to be reapplied.  Insurance companies are responsible for making sure that when your car is restored, it is restored to its original condition before the accident.

Providing proof that your car was ceramic coated before the accident is very easy as you should have a receipt from the detailer you chose to apply the coating.  Once the record is provided to the insurance company showing that the car was protected before the accident, the insurance company will provide for the car to be re-protected.

Providing documents such as a receipt or a paid invoice should be all you need to be reimbursed by your insurance company.  You can also reach out to your detailer if you happened to have misplaced your copy.

If the vehicle does not have full coverage on it, the answer may not be so straightforward.  It would be best for you to double-check to be sure the company that insures your vehicle will cover the ceramic coating. 

Does The Detailer Offer Any Protection?

Your insurance is acting as protection to the ceramic coating. The detailer will be more than happy to reapply a coating after the accident has occurred, however, they are not the ones who are offering the insurance on the car’s coating.

Apart from offering to perform the ceramic coating process once the car is repaired, there is not much else that can be done on the part of the detailer.

Making sure you have good coverage to allow for you to have the reapplication of the ceramic protection is vital if you spend the money to have it done in the first place.

All Ceramic Coatings Are CarFax Certified At Keystone Detail

At Keystone Detail Specialties, every ceramic coating we perform is added to that vehicle's CarFax report. This step can be important when dealing with both insurance companies and also to a prospective buyer of the car when it comes time for you to sell.


Ceramic coatings are seen as a protective measure and upgrade to the car to help extend the longevity of the car. Because of this, insurance companies are usually willing to reimburse you for the price of the coating without much hassle.


If you are looking to sell the car in the future, it is nice to be able to show anyone who may be looking to buy the vehicle that you took care of it while you owned it. 

In some cases, having proof that your car was protected may allow the car to retain a higher resale price.

Call Us For Any Need Or Question You May Have

If we can be of assistance to you in any way, please feel free to give us a call. We’d be happy to answer any questions you may have. You can reach us at 814-230-6991!

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