Does Insurance Cover Damage to Internal Car Parts?
1 Answers
Insurance does not cover damage to internal car parts. Comprehensive car insurance typically includes compulsory traffic insurance, third-party liability insurance, passenger liability insurance, theft insurance, and vehicle damage insurance. However, damage to internal car parts is not covered under any of these insurance categories, so compensation cannot be claimed. Generally, the following types of car insurance can be purchased: 1. Compulsory Traffic Insurance: This is a mandatory insurance that must be purchased before registering the vehicle at the vehicle management office and must be paid on time. 2. Third-Party Liability Insurance: This insurance serves as an effective supplement to compulsory traffic insurance, as the latter has limited and relatively low coverage. Third-party liability insurance offers more comprehensive protection. 3. Vehicle Damage Insurance: This insurance covers compensation for damage to your own vehicle. The premium for vehicle damage insurance is closely related to the purchase price of the vehicle and the number of seats; generally, the higher the vehicle price, the higher the premium. 4. Spontaneous Combustion Loss Insurance: This insurance mainly covers compensation for vehicle damage caused by circuit aging or fuel supply issues leading to spontaneous combustion. In the event of an accidental fire, you can apply for insurance compensation.
