Conditions for Insurance Companies to Provide Replacement Vehicles
2 Answers
Insurance companies provide replacement vehicles under the condition that during the warranty period of a household automobile product, if the repair time (including waiting time for spare parts) exceeds 5 days due to quality issues, the 4S shop is required to provide a replacement vehicle or reasonable transportation cost compensation. Legal stipulations: According to Article 19 of the "Regulations on the Repair, Replacement, and Return of Household Automobile Products," during the warranty period of a household automobile product, if the repair time (including waiting time for spare parts) exceeds 5 days due to quality issues, the consumer shall be provided with a replacement vehicle or reasonable transportation cost compensation.
Last time I was in a rear-end collision and sent my car for repairs, the insurance company provided a replacement car, but it wasn’t just handed out casually. Since I was fully at fault in the accident, the repair shop estimated the repairs would take over 5 working days, and only then did the insurance company arrange for a replacement car. Remember, you need to get the accident report stamped and follow the application process. The replacement car model is usually one grade lower than your own car. For minor scratches and repairs that take just a day or two, they’ll usually offer public transportation subsidies instead. When filing the claim, make sure to ask the customer service about the replacement car policy—some companies require an additional insurance rider to include this service.
