Direct and Accidental Damage

We have an insured who purchased a new vehicle in the summer of 2007. In the purchase agreement the insured opted to have the dealership put a protective sealant on the exterior and interior. The subcontractor completed this work before the vehicle was delivered.

In October of this year, the insured had the vehicle out in the rain. (The insured lives in southern California and this was the first time that it had rained since the purchase of the vehicle). After the rain the insured found that there were rain spots or what he referred to as “bleached out” areas on the vinyl/acrylic stripes that run over the vehicle (from hood to trunk). The insured has been attempting to work with the dealership and the subcontractor to take care of the situation.