this topic is actually a lot more complex than what most would think. What I've learned from searching online,forums, company warranties is the following
Factory Paint warranty
These vary, I found some as short as 1 year, and some as long as 3 years ( bumper to bumper warranty). Some 5 year bumper to bumper warranties exist but do not cover paint for that long.
Many of the paint warranties are similar to rust warranties in that they are "invalidated by rock chips, acid rain and hail which"
Clearcoat Failures
The company will cover these failures if the company does not believe there was owner neglect ( bird poop etching), or any kind of unnatural proccess ( like sanding the clearcoat away, spilling acid on it , etc). Some companies may do a "goodwill" acid rain warranty on a car, but this is not common
Paint Chips
These are actually covered by warranty too, but only if they look like its a defect in the paint ( certain pattern of peeling), and is voided by, rock chips, scracthes, and does not cover if it looks like the owner has hit something
Now with that said If you have car Insurance that also plays a part
Third party liability ( you hit another car)
Your car paint is not covered
Collision
You hit another car, then yes your paint will be covered. Clearcoat failure not covered
Comphrehesive
If your car is damaged by vandalism, acid rain, hail, or anything not caused by a collision the most Insurance companies will cover to respray your car ( you still have to pay a deductible). This one is tricky because if your car is moving is moving, as long as you don't hit another car, you are covered ( like hitting a pole or a deer)
Hope that helps