Can Car Repairs Be Covered by Insurance?
2 Answers
Car repairs can be covered by insurance, but it primarily depends on the type of insurance policy you have and whether the cause and specific circumstances of the damage fall within the coverage scope stipulated in the insurance contract. Below is extended information about vehicle insurance: 1. Introduction: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that provides compensation for personal injuries, deaths, or property damage caused by natural disasters or accidents involving motor vehicles. 2. Categories: Commercial insurance is an open policy and is divided into basic insurance and additional insurance, with the latter not being independently insurable. Basic insurance includes third-party liability insurance and vehicle damage insurance (comprehensive coverage). Additional insurance includes total loss theft insurance (theft coverage), onboard liability insurance, no-fault liability insurance, cargo falling liability insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion insurance, new equipment loss insurance, and deductible waiver insurance.
As a new driver, I was also curious about whether car repairs could be covered by insurance when I first bought my car. The truth is: whether repairs can be claimed through insurance depends on the situation. If your car is damaged in an accident, such as a cracked bumper from a rear-end collision, the vehicle damage insurance usually covers the repair costs. However, routine maintenance like oil changes or worn brake pads is not covered by insurance. You need to contact your insurance company to file a claim when an accident occurs—they’ll send someone to assess the damage before repairs begin. Don’t repair the car yourself first, as it might not be reimbursable. Always drive safely to avoid frequent minor accidents, or your premiums could rise. I recommend learning more about your policy details—some coverage may include additional items, but the core principle is that insurance only pays for accidents, while routine maintenance comes out of your own pocket. Regular check-ups at the 4S shop can prevent major issues, saving you money and hassle.
