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Does Full Coverage Auto Insurance Cover All Damages?

1 Answers

Troy

07/30/25 10:01am

Full coverage auto insurance does not necessarily provide 100% compensation. The introduction to full coverage auto insurance is as follows: Types of Full Coverage Auto Insurance: Vehicle Damage Insurance, Third-Party Liability Insurance, Comprehensive Theft Insurance, On-Board Liability Insurance, Cargo Drop Liability Insurance, Windshield Glass Breakage Insurance, Vehicle Parking Loss Insurance, Spontaneous Combustion Loss Insurance, Newly Added Equipment Loss Insurance. Introduction to Full Coverage Auto Insurance: Vehicle Damage Insurance covers compensation for losses to the insured vehicle caused by natural disasters or accidents. Third-Party Liability Insurance covers compensation for bodily injury or direct property damage to third parties caused by accidents during vehicle use. Comprehensive Theft Insurance covers compensation for total loss of the vehicle due to theft, robbery, or seizure, as well as damage to the vehicle or loss of parts and accessories. On-Board Liability Insurance covers compensation for bodily injury to passengers and direct damage to goods on board caused by accidents.

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How long after the vehicle inspection expires can it no longer be inspected?

If the overdue period reaches three years, the vehicle will be deregistered and compulsorily scrapped. Here is the relevant information: 1. Expired inspection: Go to the vehicle management office or traffic police station to apply for the annual inspection sticker. Before departure, please check whether you have brought all the relevant materials, which include: the handler's driving license, the original and duplicate copies of the compulsory traffic insurance (the duplicate copy will be archived by the traffic management department). All the above materials must be original. 2. Vehicle annual inspection: The purpose is to check the main technical condition of the vehicle, urge the strengthening of vehicle maintenance, keep the vehicle in good condition, and ensure the safety of vehicle driving. 3. After inspection: After passing all the tests, pay the inspection fee, have the deputy certificate of the driving license stamped, issue the inspection qualification mark, and paste the inspection qualification mark on the upper right corner of the front windshield.

How Long Is the Warranty Period for Car Headlights?

Generally, the warranty period is three years. Below is the relevant introduction: Car Headlights: Car headlights are essential lighting devices for every vehicle. During driving, besides providing illumination, headlights also serve as warning signals to alert oncoming vehicles about turning, stopping, etc. The state has clear regulations regarding car warranties: the warranty period for household vehicles must not be less than 3 years or 60,000 kilometers, whichever comes first. Therefore, when using headlights, car owners must pay attention to their condition and promptly repair or replace them if any issues arise to avoid unnecessary expenses. Maintenance Tips: Since car headlights are installed outside the vehicle and are prone to damage, it is important to maintain them during daily use. Ensure that the headlight covers have good sealing to prevent water ingress, which could cause the bulbs to short-circuit. Additionally, keep the headlight covers clean to maintain good light transmission. Finally, consider using iodine-added halogen bulbs, which can extend the lifespan of the headlights.

Can a new car be registered without purchasing the purchase tax?

A new car cannot be registered without purchasing the purchase tax. Here are the specific details about the purchase tax: 1. Time limit for vehicle purchase tax: Calculated from the date of the car purchase invoice, the vehicle purchase tax must be paid within 60 days. Late payments will incur a daily late fee of 0.05% of the purchase tax amount. 2. Notes on paying the purchase tax: After the vehicle purchase tax is paid, the tax authority will issue a "Vehicle Purchase Tax Payment Certificate" to the owner. The owner must keep this certificate properly and does not need to carry it in the vehicle. If the certificate is lost, it must be reissued. 3. Purchase tax is not accepted in cash: The purchase tax can be paid by card, so ensure there are sufficient funds on the credit card in advance. 4. Purchase tax rate: The purchase tax rate is 10%, calculated as: Tax amount = Taxable price × Tax rate.

How Long Is the Time Limit for Reverse Parking?

There is a time limit for reverse parking in Subject 2 of the driving test, which is 210 seconds. Here is some relevant information: 1. Introduction: The driver's test is a qualification examination organized by the Vehicle Management Office of the Public Security Bureau. Only by passing the driver's test can one obtain a driver's license and legally operate a motor vehicle. 2. Content: The driver's test for motor vehicles is divided into the following subjects: the subject of road traffic safety laws, regulations, and related knowledge (also known as the "theoretical test", referred to as "Subject 1"), the subject of field driving skills (commonly known as "pole test", referred to as "Subject 2"), and the subject of road driving skills and safe civilized driving knowledge (commonly known as the "road test", referred to as "Subject 3"). The test content and passing standards are unified nationwide, with corresponding test items specified according to different types of vehicles eligible for driving.

Can I go for the annual vehicle inspection in the same month if the validity period expires in July?

You cannot exceed the month of the annual inspection. Vehicle inspection can be conducted up to 3 months in advance. The time regulations for annual inspections are as follows: The first annual inspection for a passenger car is required when it reaches six years of age. Non-operational small and mini passenger vehicles, including family cars over 6 years but under 10 years old, must undergo an inspection every two years. For a vehicle that has just reached six years, the inspection requires driving the vehicle to the inspection station with your ID card, vehicle license, vehicle and vessel tax or tax exemption certificate, and compulsory traffic insurance policy. After passing the inspection, you will receive a certification form, which must then be submitted along with the required documents to the relevant window to obtain the annual inspection sticker. Annual inspection is legally required, meaning it is mandatory—every vehicle on the road must undergo inspection. To facilitate car owners, the government has introduced a six-year exemption policy, allowing new vehicles that meet the six-year inspection requirements to be exempt from annual inspections each year.

Can a driving license be reissued without the original owner if it is lost?

The driving license cannot be reissued if the original owner cannot be found. According to the reissuance procedure for driving licenses, to replace or reissue a driving license, the identity proofs of the motor vehicle owner and the agent must be provided. Here is the relevant information: Driving without a driving license is prohibited: According to the Road Traffic Safety Law, driving a motor vehicle on the road requires carrying the driving license and the driver's license. If stopped by traffic police and found without these, a fine will be imposed and 1 point will be deducted from the driver's license; in more severe cases, the motor vehicle may be temporarily impounded until the driver can present the corresponding valid documents to reclaim it. Information on reissuing a driving license: The motor vehicle owner should fill out the "Application Form for Replacement or Reissuance of Motor Vehicle Driving License" and submit it along with a copy of the owner's identity proof and three vehicle photos to the local vehicle management office under the jurisdiction of the motor vehicle to apply for a reissued "Motor Vehicle Driving License."

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