Can I claim insurance for my car's own malfunction?
1 Answers
Car insurance typically does not cover malfunctions or breakdowns of the vehicle itself, as this is generally not within the scope of auto insurance claims. Auto insurance claims usually apply to accidents involving the vehicle, where unexpected incidents cause damage to the vehicle or injuries to people, and the insurance company assumes the corresponding claim responsibility according to the terms of the insurance contract. Below is more information about auto insurance: Auto insurance categories: There are many types of auto insurance, such as compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, comprehensive theft insurance, spontaneous combustion insurance, scratch insurance, etc. Different types of insurance provide different coverage. If spontaneous combustion insurance is not purchased, the insurance company will not compensate for vehicle damage caused by spontaneous combustion. Reporting damage to insurance requires police involvement: If the car is damaged by itself, filing an insurance claim requires reporting to the police. The traffic police must come to the scene to issue an accident report, and the insurance company must also be contacted to take photos on-site as evidence before assessing the damage for compensation.
