Can damaged car parts be claimed under vehicle damage insurance?
1 Answers
Natural wear and tear of car components is not covered under vehicle damage insurance. Only damage caused by accidents qualifies for compensation under this insurance. The coverage of vehicle damage insurance includes the following: 1. Scope of vehicle damage insurance: During the insurance period after purchasing the insurance, the insurer is responsible for compensating for accidents or natural disasters (excluding earthquakes) caused by the insured or their permitted drivers using the vehicle. If situations specified in the insurance contract occur, such as the insured or their permitted drivers driving without a license or under the influence of alcohol, the insurer may be exempt from liability. 2. Recommended groups for purchasing vehicle damage insurance: Novice drivers, new cars, and high-value vehicles: Novice drivers are more likely to be involved in accidents due to their lack of driving experience; owners of new cars generally cherish their vehicles and worry about significant damage from accidents, so both novice drivers and new car owners are advised to purchase vehicle damage insurance for protection. High-value vehicles usually have higher repair costs than ordinary vehicles. To avoid the financial burden of excessive repair costs from accidents, purchasing vehicle damage insurance helps mitigate such risks.
