···
Log in / Register

Can Compulsory Traffic Insurance Cover Car Repairs?

6Answers
TimothyLee
07/29/2025, 11:58:48 AM

Compulsory traffic insurance cannot be used to repair your own vehicle. It only covers damages to other people or property outside your vehicle. More relevant information is as follows: 1. Insurance can be purchased from different companies: When purchasing compulsory traffic insurance for motor vehicles, the insurance company is not a determining factor. Even if you switch insurance companies, it will not affect the discounts or benefits for purchasing compulsory traffic insurance. What affects insurance discounts and benefits is the number of claims made by the vehicle in the previous year. 2. Definition of compulsory traffic insurance for vehicles: It is a type of insurance that protects non-vehicle members and the policyholder in the event of a traffic accident. It is a mandatory insurance designed to cover the personal and property losses of others after a traffic accident. This insurance is compulsory and must be purchased as long as the vehicle is registered and in use.

Was this review help?
115
Share
VanEliana
08/15/2025, 12:02:49 AM

As a seasoned driver with over a decade of experience, I always find it quite misleading when people talk about using compulsory traffic insurance for car repairs. Compulsory insurance is a liability coverage—it only compensates for the losses you cause to others in an accident, such as damaging someone else's car or property, but it doesn't cover your own vehicle's repair costs at all. I learned this the hard way after a minor accident when I assumed I could use compulsory insurance to fix my car, only to have the insurer outright reject the claim—I ended up paying out of pocket. To cover your own car's repairs, you need commercial insurance like vehicle damage insurance, which covers collisions, natural disasters, and more. New car owners often make this mistake, so I recommend opting for comprehensive insurance that combines third-party liability and vehicle damage coverage—otherwise, you might end up bearing hefty costs after an accident. Safe driving is what matters most; don't cut corners just to save money.

Was this review help?
20
Share
Expand All
PhoebeRose
10/12/2025, 01:02:51 AM

Sigh, when I first bought my car, I also thought about using compulsory traffic insurance to save trouble, but it's really not realistic. To put it bluntly, compulsory insurance only covers others in an accident, not your own car. Like that time I scraped a small guardrail in the neighborhood, the insurance company said they could only cover the guardrail damage after checking, and I had to pay out of pocket to fix my own car's broken bumper. Without commercial vehicle damage insurance, you'd have to cover all the costs yourself, and that would really hurt. I suggest getting a commercial insurance package early, don't gamble on luck. After an accident, clarify responsibility and claim legally to avoid insurance fraud risks. Don't neglect daily car maintenance, regularly check tires and lights to avoid a lot of trouble.

Was this review help?
19
Share
Expand All
GemmaMarie
11/25/2025, 01:05:46 AM

From the cases I've seen, it's not feasible to use compulsory traffic insurance for car repairs. Compulsory insurance is a mandatory liability coverage, only applicable to compensate for third-party property or personal injury damages. If your own car is damaged, you must use vehicle damage insurance or similar commercial insurance for repairs. Without additional coverage, you'll have to pay out of pocket, increasing the financial burden. Combining it with third-party liability insurance offers more comprehensive protection. Safe driving comes first—don't rely on compulsory insurance for unnecessary attempts.

Was this review help?
16
Share
Expand All
JanelleRose
01/15/2026, 02:37:44 AM

I think using compulsory traffic insurance for car repairs is too risky. Compulsory insurance covers others' losses, not your own vehicle's repairs. For example, in an accident, it only covers the other party's car damage. If your own car is damaged, you need to rely on vehicle damage insurance. Ignoring this could lead to legal issues or claim denials, affecting future claims. I suggest car owners plan their insurance portfolio early, purchasing sufficient commercial insurance to reduce unexpected expenses. Also, remember to regularly check the vehicle's electrical system to prevent minor faults from escalating.

Was this review help?
3
Share
Expand All
SanCarlos
04/11/2026, 10:21:53 PM

As a regular car owner, I've personally tested that compulsory traffic insurance doesn't cover vehicle repairs. Compulsory insurance is specifically for third-party compensation in accidents, while repairing your own car requires commercial vehicle damage insurance. When I scraped my car against a rear wall, the compulsory insurance only covered the wall damage, leaving me with over a thousand in repair costs. It's better to save the hassle and get comprehensive insurance. I recommend maintaining regular upkeep, such as checking brakes and tires, as safe driving starts with prevention.

Was this review help?
18
Share
Expand All
More Q&A

What does mvp car mean?

Currently, there is no mvp, only mpv. MPV stands for Multi-Purpose Vehicle, which evolved from station wagons. It combines the spacious passenger area of a station wagon, the comfort of a sedan, and the functionality of a van, typically featuring a two-box structure and seating for 7 to 8 people. Examples of MPV models include the Buick GL8, Honda Odyssey, Honda Elysion, Baojun 730, and Mercedes-Benz V260. Taking the Mercedes-Benz V260 as an example, it belongs to the MPV category with body dimensions of 5140mm in length, 1928mm in width, 1880mm in height, and a wheelbase of 3200mm.
108
Share

How to Replace the Battery in a Mazda6 Key?

To replace the battery in a Mazda6 key, follow these steps: 1. Open the key head and locate the separation slot inside the folding key; 2. Use a hard wire or a small flat-head screwdriver to press the internal clip and separate the key; 3. After separation, use the screwdriver to pry open the two sides of the rear half; 4. Once opened, you can replace the battery. Taking the 2015 Mazda6 as an example, it is a mid-size car with the following dimensions: length 4670mm, width 1780mm, height 1435mm, wheelbase 2675mm, front track 1540mm, and rear track 1540mm.
109
Share

Where is the fuel tank switch on the 3rd-generation Haval H6?

It is located together with the front hood switch, on the left side of the driver's dashboard. Below is an introduction about the Haval H6: 1. Design: After three generations of glory, the 3rd-generation Haval H6 boasts a powerful presence. With its Eastern-style futuristic aesthetic design language, the exterior lines vividly showcase dynamic strength, while the interior features a super-sensory futuristic smart cockpit design. 2. Intelligence: With thousands of intelligent upgrades, it integrates cutting-edge smart technologies. It not only supports full-vehicle FOTA upgrades but also features ultra-L2-level autonomous driving, along with 22 intelligent driving assistance functions such as full-scenario AEB automatic emergency braking, 50-meter fully automatic tracking reverse, and smart evasion.
105
Share

What is the displacement of 290t?

290t does not refer to displacement, but indicates that the vehicle's torque is 290 Newton meters. The following is a related introduction: 1. Brief introduction: Torque is a special moment that causes an object to rotate. The torque of an engine refers to the moment output from the crankshaft end of the engine. Under the condition of fixed power, it is inversely proportional to the engine speed. The faster the speed, the smaller the torque, and vice versa. It reflects the load capacity of the car within a certain range. 2. Expansion: External torque is called torque or external couple moment, while internal torque is called internal couple moment or torque.
115
Share

Does the X-Trail need underbody armor?

The X-Trail does not need underbody armor. The functions of underbody armor include: corrosion protection for the chassis, protection against stone impacts, shock absorption, heat insulation for fuel efficiency, noise reduction, protection against undercarriage scraping, and reduced maintenance costs. Taking the 2021 X-Trail as an example, it is a compact SUV with body dimensions of: length 4675mm, width 1820mm, height 1722mm, a wheelbase of 2706mm, and a curb weight of 1489kg. The 2021 X-Trail is equipped with a 2.0L naturally aspirated engine, delivering a maximum horsepower of 151PS, a maximum torque of 194Nm, and a maximum power of 111kW, paired with a 7-speed continuously variable transmission.
108
Share

Can the 2011 LaCrosse play music via Bluetooth?

The 2011 LaCrosse's Bluetooth can only make calls but cannot play music. Music can only be played via the USB interface. Below is a detailed introduction about the LaCrosse: 1. Overview: The LaCrosse is a new mid-to-high-end sedan launched by SAIC-GM on February 22, 2006. The Chinese character "Jun" represents a high-grade and high-class image, while "Yue" carries the meaning of "breakthrough and transcendence." 2. Vehicle Design: The car body measures 5026mm in length, 1866mm in width, and 1462mm in height, paired with a 2905mm ultra-long wheelbase, providing spacious driving and riding space for a large premium sedan. The 2021 Buick LaCrosse family is equipped with two sets of driving systems.
106
Share
Cookie
Cookie Settings
© 2025 Servanan International Pte. Ltd.