wrong insurance will cover ppf, have had it done multiple times and will do full ppf on my Y coming next week. When you deal with insurance and a adjuster you have to just tell them theres ppf simple as that. I know about 10 other people who have had no issues with ppf being paid for by insurance after an accident or issue. People dont realize most people dont get ppf for protection, they get it for easy of keeping it clean and maintenance. And to the right buyer people will pay more for a car with PPF, just did it with my R a few months ago. A majority of people do ppf like on the front for ease of cleaning. Doing an entire car makes it cake walk. I wash my cars every 4 days. PPF speeds that process up even more.