Can a claim be made without vehicle damage insurance?
2 Answers
If the vehicle does not have vehicle damage insurance, compensation can be claimed through compulsory traffic insurance. Below is relevant information about motor vehicle insurance: Definition of motor vehicle insurance: Motor vehicle insurance, also known as auto insurance (abbreviated as car insurance), refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Development of motor vehicle insurance: The real development of motor vehicle insurance occurred after World War II. On one hand, the popularity of automobiles made road accidents a widespread social hazard; on the other hand, many countries included third-party liability for various motor vehicles, including cars, in the scope of compulsory insurance. Therefore, motor vehicle insurance has become a universally significant insurance business globally.
It all depends on who is at fault. I've been driving for over a decade myself, and if you don't purchase vehicle damage insurance, you indeed can't claim insurance compensation if your own car gets damaged—you'll have to cover all repair costs out of pocket. However, in accidents where the other party is fully at fault, things are easier. For example, if someone changes lanes and scrapes your car, even without vehicle damage insurance, their compulsory traffic insurance can cover your repair costs up to 2,000 RMB, and any excess can be claimed under their third-party liability insurance. I recommend new car owners to still get vehicle damage insurance, especially in crowded cities where minor bumps and scrapes are common. Paying for repairs entirely out of pocket can easily cost several thousand RMB. If your car is seven or eight years old and not worth much, gambling by skipping vehicle damage insurance might be an option, but you should be mentally prepared to cover repair costs yourself at any time.
