Can I Claim Insurance for Damaged Car Lights?
2 Answers
Damaged car lights can be claimed under insurance. Below is a relevant introduction to car insurance: Vehicle Insurance: Vehicle insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Car insurance is a form of property insurance and is relatively new in the field of property insurance, as it emerged and developed alongside the advent and popularization of automobiles. Unlike modern motor vehicle insurance, early car insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body. Classification: Commercial insurance is an open-value insurance, divided into basic insurance and additional insurance, where additional insurance cannot be purchased independently.
Whether a broken car light can be claimed on insurance depends on the situation. I've dealt with many similar cases. Generally, only damage caused by an accident, such as a broken light from a collision, is eligible for an insurance claim. For ordinary wear and tear or aging, like a bulb burning out on its own, insurance usually won't cover it as it's considered routine maintenance. You should first recall if there was any accident involved—having a police report makes the process easier. You might also encounter situations where the repair cost doesn't meet the deductible, e.g., a 300 RMB repair with a 500 RMB deductible, making an insurance claim not worthwhile. Insurance terms can be quite complex, so it's advisable to check your policy or contact your insurer directly. Car lights are safety components, so any issues should be fixed promptly to avoid accidents. DIY repairs might be quicker and cheaper, with costs ranging from a hundred to several hundred RMB.
