I don't understand it either....but it seems to be chipping whereever anything comes in firm contact with it...
On my pass fender I kissed a small branch/bush in Moab, and there's a clear area of missing R/R and the actual cladding shows the abrasion/scuffing...so I know it occurred when the branch abraded the cladding.
And the front bumper is peppered with chips as you can see....I'm at a lossI only have 2 coats on (about 1 yr apart), think I should do a few more or have any ideas on what could have happened or what I can do about it? I prepped the surface thoroughly. And I have no other areas chipping or peeling, just the front and where I brushed the branch....so that led me to believe it had to be from dirt /road debris striking at highway speeds and, of course, direct abrasion.