Can I claim insurance if my car is scratched and the responsible party cannot be found?
1 Answers
Yes, but most insurance companies will only cover 70% of the vehicle's repair costs, with the remaining 30% to be borne by the car owner. Below is relevant information: 1. Vehicle Insurance: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Auto insurance is a category of property insurance and is relatively new in the field, as it emerged and developed alongside the advent and popularization of automobiles. Unlike modern motor vehicle insurance, early auto insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body. 2. Definition: A widely available insurance type in China, it covers motor vehicles such as cars, electric vehicles, motorcycles, and tractors. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance further includes primary vehicle insurance and additional coverage.