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Auto Insurance Question from City of Industry, California
Answer given on December 8, 2018
Due to the age and mileage on your car, it is unlikely that Allstate will pay for the cracking paint on the car. It actually sounds like the clear coat has been damaged or failed. However, if you can prove there is some sort of contamination going on in the area where you live, such as heavy pollution from industrial companies, or fires, it is possible they may pay for the damaged paint. That could be considered a covered loss.
You should also contact Toyota to see if they have any recall on the car due to a manufacturing defect or paint defect that could cover this damage. You can go through Toyota or ask your local dealership about this possibility.
It may just be that the exposure to the elements has worn the clear coat on the car. If you do not keep the car in a garage or carport, it is facing sun, weathering and possibly snow and ice which can all affect the paint job.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
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