Can Accident Vehicles Claim Insurance for Film Coating?
2 Answers
No, insurance does not cover it. Here are the relevant details: 1. Accident Vehicles: These are vehicles that have suffered damage from non-natural wear and tear incidents, leading to a decline in mechanical performance and economic value. Typically, an "accident vehicle" refers to one with structural damage. Additionally, water-damaged and fire-damaged vehicles also fall under the category of "special accident vehicles." Methods to identify accident vehicles include exterior inspection, light examination, insurance record checks, and interior assessment. 2. Accident Classification: (1) Minor Rear-End Collision: This is one of the most common types of accidents during vehicle operation. (2) Severe Rear-End Collision: The vehicle's main frame and subframe are the primary indicators for determining whether a severe rear-end collision has occurred.
I remember clearly about the film incident after an accident. That time I had a collision, both the window tint and the car body wrap were damaged. I originally thought the insurance would cover it, but then found out that standard car insurance usually only covers original factory parts, not these aftermarket additions. Unless it's specifically stated in the policy that modifications are covered, or the accident was entirely the other party's fault and they compensate, otherwise you have to pay out of pocket for repairs. I think these films are quite important—they block UV rays and protect privacy. It's heartbreaking and costly when they get damaged. So now, every time I buy insurance, I make sure to add the additional coverage to avoid regrets in case of an accident. When dealing with an accident, the first step is to take photos for evidence, then promptly contact the insurance company to verify the details—don't delay and complicate matters.
