Can Compulsory Traffic Insurance Cover Car Repairs?

[TimothyLee]

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.

[VanEliana]

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.

[PhoebeRose]

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.

[GemmaMarie]

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.

[JanelleRose]

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.

[SanCarlos]

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.