Can I Claim Insurance If My Car Breaks Down?
1 Answers
Only having compulsory traffic insurance does not qualify for a claim, but if you have purchased vehicle damage insurance (commercial insurance), you can file a claim. Vehicle insurance can be divided into compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is cheaper and mandatory, while commercial insurance is more expensive but covers a wider range of accidents and expenses. Compulsory traffic insurance, officially known as Motor Vehicle Traffic Accident Liability Compulsory Insurance, is a mandatory liability insurance where the insurance company compensates for personal injuries, deaths, or property losses (excluding the vehicle's occupants and the insured) caused by road traffic accidents involving the insured vehicle, within the liability limits. Therefore, if your car is damaged in an accident, compulsory traffic insurance will not provide compensation. Vehicle damage insurance covers losses to the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the insurance coverage. If you damage your car by driving it yourself, vehicle damage insurance can provide compensation as it falls under accidental damage. In the event of a traffic accident, the car owner should take photos for evidence and report the incident to the insurance company. If the accident is not reported within 48 hours, the insurance company will not provide compensation.
