Can I Claim Insurance for a Missing Catalytic Converter?
1 Answers
The loss of a catalytic converter is generally not covered by insurance companies, as their claims process requires submitting photos of the accident scene and the damaged parts as evidence, which cannot be provided in cases of loss. It is recommended to report the incident to the police promptly. After the police have filed a case, have the catalytic converter reinstalled at a 4S shop. Otherwise, the vehicle's engine malfunction indicator light will remain constantly lit and cannot be turned off. Moreover, without a catalytic converter, the vehicle will not pass the annual inspection. The absence of a catalytic converter affects the vehicle in the following ways: increased exhaust pollution, as harmful gases cannot undergo catalytic reduction; the engine malfunction light will illuminate when the engine's electronic control unit (ECU) cannot detect or detects abnormal signals from the oxygen sensor; increased fuel consumption and reduced power, as the oxygen sensor's signals are disrupted, preventing the engine from accurately controlling fuel injection, leading to higher fuel consumption and decreased power; and carbon buildup, as the air-fuel ratio in the cylinders becomes severely imbalanced, causing incomplete combustion and resulting in significant carbon deposits accumulating in the cylinders, thereby increasing the engine's susceptibility to 'chronic' issues.
