Is PDR Covered by Insurance?

Paintless Dent Repair (PDR) is widely recognized as a cost-effective and non-invasive method for removing minor dents and dings from vehicles. But one of the most common questions vehicle owners ask is: “Is PDR covered by insurance?” The answer depends on a few factors—your type of coverage, the nature of the damage, your insurance provider’s policies, and even your location. Let’s break it all down so you can make an informed decision.

What Is Paintless Dent Repair (PDR)?

PDR is a technique that removes dents without the need for sanding, fillers, or repainting. It’s ideal for:

• Hail damage

• Door dings

• Minor creases

• Small dents from flying debris or parking lot mishaps

Because the original factory paint remains intact, PDR helps preserve the value of your vehicle while saving time and costs compared to traditional bodywork.

Is PDR Typically Covered by Insurance?

Yes, PDR is generally covered under your comprehensive auto insurance policy — but not all policies are created equal. Let’s explore some common scenarios:

Covered:

• Hail damage

• Tree limbs or debris falling during a storm

• Vandalism

• Damage from road debris

Not Covered:

• Wear and tear

• Rust or corrosion

• Pre-existing damage not reported at the time of claim

• Damage under liability-only insurance

So, the key factor is whether you have comprehensive coverage on your vehicle.

Michigan-Specific Insurance Considerations

In Michigan, you are NOT required to maintain auto insurance coverage if your vehicle is parked, inoperable, or not in use. This is especially important because your homeowner’s insurance policy does NOT cover your car, even if it’s stored in your garage.

You Must Have Comprehensive Coverage

Without comprehensive coverage, damage from hailstorms, falling objects, or vandalism won’t be covered at all—and that means PDR won’t be reimbursed either.

This is especially relevant in Michigan due to:

• Frequent hailstorms

• Sudden tornado activity

• Extreme weather swings that lead to falling ice, debris, and other hazards

Reminder: A non-operating vehicle parked on private property still requires insurance if you want any coverage for damage. Without it, you’re out-of-pocket for all repairs.

How to File a Claim for PDR

If your car suffers damage that’s eligible for PDR under your policy, here are the steps you should take:

1. Document the damage – Take high-resolution photos of the dents from different angles.

2. Call your insurance provider – Ask if your policy includes comprehensive coverage and whether PDR is approved for your type of claim.

3. Get a professional PDR estimate – From a certified, insurance-approved repair shop.

4. Submit the claim with documentation – Include the estimate, photos, and any other requested info.

5. Schedule the repair – Once approved, get your PDR work done quickly and professionally.

Will I Still Pay a Deductible?

Yes, in most cases, you’ll need to pay your comprehensive deductible before the insurance kicks in. However, because PDR is generally less expensive than traditional repairs, you may find that the total cost is below or just above your deductible.

If your deductible is $500, and your PDR job is $650, your out-of-pocket cost would be just $150.

Tip: If the cost of the repair is below your deductible, insurance won’t help—but many reputable PDR shops offer affordable rates for out-of-pocket customers.

What Types of Insurance Providers Cover PDR?

Most national and regional carriers cover PDR under comprehensive claims, including:

• State Farm

• Progressive

• Allstate

• Farmers

• USAA

• Auto-Owners

Always check the fine print of your policy or speak directly with an agent. Some insurers may have preferred vendor networks for PDR or offer incentives for using green repair methods.

What If My Insurance Denies the PDR Claim?

Insurance carriers may deny PDR claims if:

• You lack comprehensive coverage

• The damage occurred outside your policy period

• It’s deemed cosmetic and non-essential (rare with hail or debris)

If you believe the claim is valid:

• Request a second opinion

• Ask for written justification

• Appeal the claim with additional documentation

PDR vs Traditional Repair: Insurance Angle

Insurance providers often prefer PDR due to lower costs and faster turnaround times.

Summary: Is PDR Covered in Michigan?

Yes — if you have comprehensive auto coverage

No — if you only have liability or no coverage at all

Homeowner’s insurance does NOT cover your car — even if it’s parked inside your garage

Michigan’s extreme weather (hail, tornados, falling tree limbs) makes comprehensive coverage essential

Final Thoughts

PDR is a smart, sustainable way to fix dents — and most insurance policies with comprehensive coverage will pay for it. But don’t assume you’re covered just because your car is parked or “off the road.” Especially in a state like Michigan, weather-related incidents are common, and comprehensive coverage is the only way to ensure you’re protected.

Not sure if you’re covered? Call your insurance agent today and ask:

• Do I have comprehensive coverage?

• Does it include paintless dent repair?

And if you need help getting a repair estimate, we’re here for you. Schedule a free dent inspection with our certified PDR specialists today.