Can intentional damage to a car be covered by insurance?
2 Answers
If a vehicle is intentionally damaged, the insurance company will not compensate for it. Here is relevant information about car insurance: 1. Car Insurance: Car insurance is a type of property insurance. In the field of property insurance, car insurance is a relatively young category, as it emerged and developed alongside the appearance and popularization of automobiles. Unlike modern motor vehicle insurance, early car insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body. 2. Commercial Insurance: The main types of commercial insurance include vehicle damage insurance, third-party liability insurance, passenger liability insurance, and comprehensive theft insurance. Motor vehicle damage insurance covers losses to the insured vehicle caused by natural disasters or accidents within the scope of the insurance policy, with compensation provided by the insurer according to the terms of the insurance contract.
Hey, after driving for so many years, I genuinely believe whether accidental damage can be covered by insurance depends on the type of coverage you purchased. For example, if you accidentally scrape your car against a wall while parking, as long as you have collision insurance, the insurance company will generally compensate you. But you must report the incident immediately without delay and provide photo evidence, otherwise, the insurer might find excuses to deny the claim. However, if the damage is intentional, like keying your own car to claim money, that's absolutely not allowed—it's illegal and could even lead to insurance revocation if discovered. Additionally, insurance may not cover issues arising after vehicle modifications; it depends on the contract details. My advice is to handle minor repairs yourself if it only costs a few hundred bucks, as filing a claim could raise your premium the following year, making it not worth it in the long run. Always review your policy's deductible clauses, and remember, safe driving to avoid accidents is the best approach.
