Does insurance cover a replacement car for repairs?
1 Answers
During the warranty period of household automotive products, if the repair time (including waiting for spare parts) exceeds 5 days due to product quality issues, the 4S store is required to provide a replacement vehicle or reasonable transportation cost compensation. Usage of replacement vehicles: A replacement vehicle during claims refers to the service where the insurance company provides a vehicle to the car owner when their private car is under repair and unavailable. For example, Pacific Insurance and Aodi Car Rental offer "claim replacement car services" for car owners to use. However, typically, insurance companies do not include replacement car coverage in their auto insurance policies. There is only an additional "repair period cost compensation" rider that pays based on repair days to cover replacement car expenses and operational losses. The compensation standard is agreed upon at the time of insurance purchase, but ready-to-use replacement cars are provided, making insurance company replacement vehicles available. Conditions for using a replacement vehicle: The car must be purchased at the dealership and insured with designated insurance companies (e.g., PICC Insurance, Pacific Insurance). Customers who purchase insurance without premium discounts (non-concessional customers). Vehicle owners who need to simultaneously insure against car damage and third-party liability insurance.
