Can I claim insurance if my car light is broken by itself?
2 Answers
You can claim insurance if your car light is broken by itself, provided that you have purchased the vehicle damage insurance under commercial insurance. You can then apply for compensation from the insurance company. Introduction to Vehicle Damage Insurance: Vehicle damage insurance is a type of commercial auto insurance where the insurer compensates for the damage to the insured vehicle caused by an insurance accident while the vehicle is being used by the insured or an authorized driver, within reasonable limits. Function of Vehicle Damage Insurance: Vehicle damage insurance and third-party liability insurance are the basic types of vehicle insurance. They mainly compensate for the loss of the insured vehicle and the loss caused to a third party by the insured vehicle during use.
Last time I accidentally scraped my car against a tree and damaged the headlight, so I immediately reported it to the insurance company. I have comprehensive coverage, and they said it would be covered, but I had to pay a deductible and provide photos of the accident and a police report. The whole process was okay—after the repair, the headlight was fixed, but my premium increased slightly the following year. My advice in similar situations is to first assess the repair costs: if replacing a new headlight is cheap, say a few hundred bucks, paying out of pocket might save you money. But if it’s serious, you must report it—safety comes first. Damage from accidents is generally covered under comprehensive insurance, but remember to take photos for evidence and contact the insurer promptly to avoid delays affecting the claim.
