Picture helps.

The splash shield should be completely flat and essentially sealed. If it is not, it is likely not fastened properly.

 

Is this place in question in the front and center ?

I have been concerned about just this scenario, see my What have you done to your Camry today> Also at that time I modified that big front piece of plastic [ I could see potential problems such as you have described] by tucking the front of that piece [ the big one that has the oil filter access] under the very front one and using the same bolt right in the center to hold it up. Otherwise that could/would scoop up snow or anything else I've run over that was more then a few inches from the ground. So far so good!
There might now be missing fasteners to allow this to happen on your car and I am not at all surprised. Luckily I have access to a car lift and after this salty winter here in the NE my plans are to take off those covers to see just how much crap got in there. When I Purchased my 2020 Camry hybrid last April just days before the potato chip shortage the dealership sold me on the undercoating it for 700+ $ they promoted it as a sound deadening rust proofing option so I thought why not.
Before driving away with my new car I looked under it from the rear of car to see if I could tell if there was indeed an undercoating applied, I could not at that time tell and upon asking my salesman if it was applied his response was ' you need inferred glasses to see it !" Well that did not sit well so a few days later I put it on the lift thinking for 700$ they would take off those covers and squirt the whole undercarriage... No they did not and there really is not much outside of those to undercoat , they also explained that moving parts such as control arms etc would not have any undefrcoat applied. Well there was a lot of the exposed non moving undercarriage that did not get treated either and I complained and got my money back for that lame disservice they call undercoating.

 

Attached are pictures. Hopefully they help explain the situation better.

 

It's not fully fasten. Get new clips and/or bolts and/or gromments.

 

Keep that area cleaned out . Rust ALWAYS starts we here gunk and moisture get trapped. Flush out your door bottom drains a couple times a year too. If you are needing new push pins( they are all trash) find out the size and buy a bag full off Fleabay. A couple in a blister pack cost a fortune by comparison so buy the bag . The other thing to wonder is what are you doing where to be bottoming out like that. Don’t even get me going on cars being so low slung they are dragging the base constantly[emoji2959]


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I doubt that its 'not fastened properly' as my car has done this twice... I cant get a pic right now, but the front edge of the tray on the drivers side, the tray that runs from the drivers seat all the way back, has packed with ice and snow and eventually it got to a point where the thing bent in half and was rubbing on the ground on dips on the highway.

I can attest to mine being fastened properly. the front 3 10mm headed bolts had to be removed as well as a giant phillips headed thing, to pry the tray down and manually claw all the ice out. I then bent the deformed part Up and back into the tray to make it sit flat once again. Thank God this year I had access to a lift...

I was going to post a thread when I got home since this is the second time dealing with this

 

In my opinion by looking at the pictures, when your car was put on a lift, your care wasn't put on the lift properly. I've seen this before where that when you get your oil changed, tires rotated or some kind of work done under the car, the car isn't put on the lift properly. Did you recently have some work done? Maybe you ran over a curb to cause the damage?

 

These are called rocker panel guards and not splash shields. I am afraid you need to live with it.

 

seems a bit pedantic , playing with words. They shield from splashing and rocks, no?

poor design in any event...

 

I have the same problem with my Toyota Camry SE. The underbelly panel got full of silt, sand and pebbles and was hanging down when I finally noticed it. The service manager told me that my car is not meant to be driven on a gravel road. Tell me where in rural Alberta can you avoid driving on a gravel road? I didn't buy my car to drive on a raceway!!. I haven't dealt with my car in the winter yet, but I suspect I will be dealing with snow and ice build up in the open areas on the driver and passenger side as well. The service manager told me it would not be an issue as the heat from the exhaust would melt the snow. Really! What happens when it is -30 degrees? Can't believe a word this service manager says. He refused to say that it was a design flaw and corroborate my issues with Toyota. He told me to go to a body shop to get it fixed. Toyota has been totally useless and I will never buy another one again!!!

 

2018 Camry Hybrid LE with 290,000 km mostly highway and good amount of awfully maintained rural ab gravel roads checking in. This problem happened probably in the first several months of ownership. All I do is look at it and then groan hoping it doesn't fall and start sliding on the road. Must be nice to have a lift! I'd do something about it if I had access to one of those. By do something I mean just clean it out and reinstall it then hope it doesn't fill up too quick again.

EDIT: Glad I'm not alone

 

I just purchased a 2024 Toyota Camry SE, only drove for about 4 months, about 100miles on dirt roads, which I drove slowly/carefully. Belly pan hanging 3 inches below on drivers side, for about 3 feet + upper right corner of passenger side also lagging down. 3 inches of solid rock/dirt for 2 feet!, Now warped pan.
Toyota said it was not covered by warranty! Even though it is to protect the underside from the environment! No clips on this particular style. Held on by 4 bolts in the center of the undercarriage.
Ridiculous! Obviously Toyota does not give a crap.
I told them they need to warn people not to buy the car, if God forbid you need to go down a dirt road. I was being sarcastic to them.
Would NEVER have purchased if I knew this!

 

Omg I just wrote a whole book on my issue and it deleted it somehow. Basically I have a 2022 Highlander and been having ISSUES! With the splash shield being ripped off and bending the heat shield pretty seriously. Paid to replace splash shield and two weeks later it’s bent again. Took it in and they say I hit something again. In the same spot? Yea ok buddy. Anyways I take it home and have a look for myself. The front splash shield is laying underneath the next one when I’m pretty sure it should be over it so nothing catches onto the next splash shield (lip). Then I realize the splash shield are connected/ screwed into the brackets of the heat shield. Toyota can issue a recall and pay me my money back on their crappy design. This happened twice so I think the manufacturers blueprint on how this is installed is incorrect. Any thoughts and comments are appreciated. Thanks