Allow me to summarize the article.
"Is PPF worth it?"
not addressed: what does this do, in terms of future body work or paint work needed? if I have a collision, will it cost more if I have ppf applied? will I get the cost of the ppf back or my choice of re-apply (by insurance)?
if you have to blend, do you have to remove the whole panel's ppf? what if that does more damage?
I don't have ppf, I might consider it, but it does seem to be an extra 'curve' for when you need to have an accident/insurance claim.
can anyone comment on that aspect? it looks great when its there, but how's life when you need major work done on an insurance claim?
These are great questions and situations we run into often.
You are correct the panels with PPF that need to be blended into will need to be removed.
However, every situation we've had this happen, the insurance covers the replacement cost without question. It's a product that has been around long enough where insurance companies are aware and cover replacement. In Texas, that replacement can be done where you choose (not sure how it is in other states).
At times we've worked directly with body shops and supplied a supplement to them or directly with the insurance and they pay us directly. Both scenarios have been seamless to date.