Can Car Repairs Be Covered by Insurance?

[LeahDella]

Normal car repairs can be covered by insurance, depending on the type of insurance policy you have, the cause of the vehicle damage, and whether it falls within the scope of the contract. For vehicles that need to file an insurance claim, you must contact the insurance company before repairs. The insurance company will assess the damage to the vehicle and then compensate according to the actual loss. Below are situations where insurance companies may refuse compensation: No compensation for illegal driving: No compensation for drunk driving, driving without a license, or if the vehicle registration or driver's license has not been inspected. In these cases, the driver is not qualified to drive on the road and is in serious violation of traffic laws. Additionally, insurance companies will refuse compensation if the driver does not match the permitted vehicle type or drives on highways during the probationary period. No compensation for restarting after water damage: If the engine stalls after driving into deep water and the driver forcibly restarts it, causing engine damage, the insurance company may refuse compensation, considering the loss was caused by improper operation.