Can the insurance company reimburse if the car breaks down?

1 Answers
Camargo
07/29/25 5:13pm
Whether the insurance company can reimburse for a broken car mainly depends on the following situations: 1. Damage to the car engine: Generally, it cannot be claimed for insurance compensation. 2. If the car is involved in an accident: The insurance company will provide compensation. Below are some additional details about situations where car insurance does not provide compensation: 1. Losses caused when a new car is unregistered, without a temporary license, or with an expired temporary license: The basic car insurance policies' exemption clauses clearly state that unless otherwise agreed, the insurance company will not compensate for losses incurred without a valid driving license, license plate, temporary license, or temporary movement permit issued by the traffic management department of the public security authority. 2. Losses caused by a vehicle not undergoing or failing the annual inspection within the specified time: Vehicles that have not passed or have not undergone the annual inspection on time are not legally allowed on the road. The car insurance exemption clauses specify that the insurance company will not compensate for losses caused by driving without passing the mandatory safety technical inspection within the required period.
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