Off road vehicles often have metal skid plates under sensitive parts like the engine and transmission. The idea is to prevent large rocks from damaging the drivetrain. They don’t care that much about hitting the floor or frame as it won’t cause immediate problems.
Many race cars have plastic or carbon fiber plating under the car. Although this is not there to protect, it aids aerodynamics (a flat bottom creates less drag). In fact, some new cars come with this to help improve fuel economy.
As other have said, plating won’t really help rust but metal plating will help prevent immediate damage. However, the kind of damage it will protect from is when a tall, pointy object gets under the car. This really only happens when trying to drive over something. So it’s not really a problem that happens on the street.
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