Can I Claim Insurance for Broken Car Lights?
3 Answers
Yes, the insurance company will compensate for the claim. Below is the relevant introduction about auto insurance: Vehicle Purchase Tax: Vehicle purchase tax is a tax levied on units and individuals purchasing specified vehicles within the country, determined by the ex-factory price and displacement of the vehicle model. The latest vehicle purchase tax is 10%, with no room for negotiation. Motor Vehicle Insurance: Also known as auto insurance, it refers to a commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents to motor vehicles. Compulsory Traffic Insurance: Compulsory traffic insurance is mandatory and must be purchased, with a nationally unified premium standard. However, the number of car seats will affect the amount of compulsory traffic insurance.
Last time my car light was broken, I specifically consulted the insurance company. They explained that such individual part damage is usually not covered unless it was caused by an accident. I remember the left headlight of my car was shattered when I was rear-ended, and the other party was fully responsible, so the insurance covered the replacement of a new assembly. But if it's a bulb aging or wiring issue, you basically have to pay out of pocket. I suggest you first check the insurance policy. The new regulation now is that the car damage insurance does not include separate coverage for light fixtures unless you purchase additional riders. However, if it's damaged by hail or water submersion, you might be eligible for a claim.
My research on car insurance reveals that it depends on the cause: if it's simply a bulb aging and not lighting up, you can replace it yourself; but if it's damaged due to an accident, you must report it in time. Claims require on-site photos and an accident confirmation document. My colleague successfully claimed when he reversed into a wall and shattered the taillight. However, be aware that some insurance companies classify lights as wear-and-tear parts, possibly covering only 70%. Nowadays, new headlight assemblies aren't cheap, with LED matrix headlights easily costing over ten thousand. You need to consider whether the potential increase in next year's premium makes it worth filing a claim.
