Can I Claim Insurance If My Car Breaks Down on Its Own?
1 Answers
If a car breaks down on its own, it generally cannot be claimed under insurance, as this is usually not covered by auto insurance policies. Auto insurance claims typically apply to accidents where the vehicle or individuals are damaged due to unforeseen events, and the insurance company assumes the corresponding liability according to the policy terms. Below is more information about auto insurance: 1. Types of Auto Insurance: There are various types of auto insurance, such as compulsory traffic liability insurance, third-party liability insurance, vehicle damage insurance, comprehensive theft insurance, spontaneous combustion insurance, and scratch insurance. Different types of insurance provide different coverage. For example, if spontaneous combustion insurance is not purchased, the insurance company will not compensate for vehicle damage caused by spontaneous combustion. 2. Compulsory Traffic Accident Liability Insurance: To protect the interests of victims in traffic accidents, the State Council issued the "Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles" in 2006, requiring all owners or managers of motor vehicles driving on roads within the territory of the People's Republic of China to purchase compulsory traffic accident liability insurance in accordance with the "Road Traffic Safety Law of the People's Republic of China." 3. Reporting to Police for Insurance Claims on Vehicle Damage: If your car is damaged by itself and you want to claim insurance, you must report to the police. The traffic police will arrive at the scene to issue a traffic accident certificate, and you should also contact the insurance company to take photos as evidence for assessment and compensation.
