Does Vehicle Damage Insurance Cover Vehicle Damage?
2 Answers
Whether an insurance company compensates for vehicle damage depends on the type of insurance coverage and the nature of the damage. If the vehicle is damaged in a two-party traffic accident, the insurance claim is determined based on traffic liability. The vehicle owner's own liability is covered under the vehicle damage insurance, while the other party's liability is covered under compulsory traffic insurance or third-party liability insurance. If the vehicle damage falls under an exemption clause, such as damage caused by the owner driving under the influence of alcohol, the insurance company will not compensate. In summary, all claims are subject to the insurance company's review and approval based on the terms of the insurance policy. Vehicle damage insurance covers all damages except for the following scenarios during the insurance period: Earthquakes; war, military conflicts, terrorist activities, riots, seizures, confiscation, government requisition; competitions, tests, or during repair and maintenance at commercial service centers; using the insured vehicle for illegal activities; driving under the influence of alcohol, drugs, or narcotics; fleeing the accident scene without taking legal measures, or intentionally destroying, falsifying the scene, or destroying evidence. No compensation for emotional distress. The insurance company will not compensate if the driver falls under any of the following circumstances: no valid driver's license or expired license; driving a vehicle that does not match the license type; driving with an unverified license or during the suspension, revocation, or cancellation of the license; driving under conditions not permitted by laws or traffic management regulations. No compensation for damage caused by restarting the engine after water ingress. No compensation for stolen parts.
I've been driving for over a decade and have encountered many such issues. Auto damage insurance generally covers vehicle damage, but it depends on the specific circumstances. The insurance policy stipulates that it typically covers accidental incidents like collisions, scratches, or natural disasters such as hail damage, as well as theft – the insurer will compensate for repair costs. However, note that it doesn't cover normal wear and tear, like if you accidentally wear out your tires from driving; or intentional collisions, drunk driving-related damages – these aren't covered. Additionally, deductibles are common – you'll need to pay a portion yourself before the insurer covers the rest. I recommend getting a comprehensive insurance package that includes third-party liability and auto damage insurance for more peace of mind. Remember to regularly review your policy, contact customer service immediately in case of an incident, and keep photos of the accident scene and repair receipts.
