How Does Auto Damage Insurance Compensate?

1 Answers
OAutumn
07/29/25 8:23pm
Auto damage insurance covers damages caused by collisions, fires, spontaneous combustion, storms, lightning strikes, etc. To file a claim with the insurance company, you need to submit the required claim materials as specified by the insurer. Certain insurance policies have corresponding limitations when used. For example, if a vehicle is submerged due to heavy rain while in motion, compensation will be processed under the water damage insurance. Some items require additional insurance coverage to be eligible for claims. For instance, auto damage insurance stipulates that standalone glass damage cannot be claimed under this policy.
Was this review help?
8
3
Share
More Forum Discussions

What are the tips for car polishing?

Tips for car polishing: 1. Wash the entire vehicle with a paint cleaner that has strong decontamination power. When using the cleaner, avoid particles and dust causing new scratches during the grinding process; 2. Sand with water sandpaper: For defects such as coarse particles, fine sandpaper marks, or flow marks on the paint surface, use water sandpaper wrapped around a small rubber block with water to gently sand until smooth before polishing; 3. Coarse and fine grinding: Use a mechanical grinder with coarse grinding paste to coarsely grind the marks left by the water sandpaper, then add grinding paste for fine polishing; 4. Polishing: Use a mechanical polisher with a mirror-finish treatment agent to remove the swirl marks left by the coarse grinding paste, achieving a mirror-finish effect on the paint film; 5. Manual waxing: After grinding and polishing, clean off the grinding and polishing paste, immediately use a cotton cloth dipped in polishing wax to wipe the polished areas, then use a dry cotton cloth to remove any excess wax.
12
1
Share

Which city does the license plate 'Ji D' belong to?

Ji D is the license plate of Liaoyuan City in Jilin Province. The license plates for each city in Jilin Province are as follows: Ji A is Changchun City, Ji B is Jilin City, Ji C is Siping City, Ji D is Liaoyuan City, Ji E is Tonghua City, Ji F is Baishan City, Ji G is Baicheng City, Ji H is Yanbian Korean Autonomous Prefecture, Ji J is Songyuan City, Ji K is Changbai Mountain. The license plate number is the identification plate of a vehicle, and its significance to the car is just like the ID number to a person. The license plate, commonly known as the vehicle plate, refers to the plates hung on the front and rear of the vehicle, usually made of aluminum, iron, plastic, or paper, engraved with the vehicle's registration number, registration area, or other relevant information.
3
3
Share

What is the actual fuel consumption of the KX1 automatic transmission?

The comprehensive fuel consumption of the KX1 is 5.7-5.8L/100km. There are currently 3 models of the 2021 KX1 available for sale. The CVT sunroof model and CVT Fun Edition have a comprehensive fuel consumption of 5.7L/100km. The manual Fun Edition has a comprehensive fuel consumption of 5.8L/100km. The above figures are the NEDC comprehensive fuel consumption, which is the data measured under the NEDC test procedure for combined driving conditions. The actual fuel consumption is higher than this value, ranging from 6.8-7.5L/100km. The level of a car's fuel consumption is directly related to five major factors: driving habits, the car itself, road conditions, natural wind, and environmental temperature. Specific factors that can increase fuel consumption are as follows: Driving habits: Aggressive driving behaviors such as sudden acceleration, frequent overtaking, and not easing off the throttle before reaching traffic lights will increase fuel consumption. The car itself: Cars with larger displacement generally consume more fuel than those with smaller displacement because larger displacement usually means greater power output, requiring more gasoline for combustion. Heavier cars also have higher fuel consumption because greater weight requires more driving torque. Road conditions: Driving on dirt roads, muddy roads, soft surfaces, or mountainous roads increases resistance and fuel consumption. Natural wind: Driving against the wind or on windy days increases the car's resistance and fuel consumption. Low environmental temperature: When the engine block temperature is low during cold starts, the injected gasoline is harder to atomize, requiring more gasoline for combustion, which increases fuel consumption. Additionally, at low temperatures, the engine control unit will command higher idle speeds to warm up the engine, further increasing fuel consumption.
11
4
Share

What is the fuel consumption of the Binyue?

The comprehensive fuel consumption of the Binyue is 6.1-6.3L/100km. Currently, there are 6 models of the Binyue on sale: the manual Gold Edition with a comprehensive fuel consumption of 6.1L/100km, and the DCT Platinum Edition, DCT Diamond Edition, DCT-Battle, DCT Star Glory Edition, and DCT Honor Edition, all with a comprehensive fuel consumption of 6.3L/100km. The above figures are the NEDC comprehensive fuel consumption, which is the fuel consumption data measured under the NEDC test procedure. The actual fuel consumption is higher than this value, ranging from 7.0-8.2L/100km. The level of a car's fuel consumption is directly related to five major factors: driving habits, the car itself, road conditions, natural wind, and environmental temperature. Specific factors that can increase fuel consumption are as follows: Driving habits: Aggressive driving, such as sudden acceleration, frequent overtaking, and not easing off the throttle in advance when approaching a red light, can increase fuel consumption. The car itself: Cars with larger engine displacements generally consume more fuel than those with smaller displacements because larger displacements usually mean greater power, requiring more gasoline to burn and perform work. Cars with greater weight also consume more fuel because greater weight requires more driving torque. Road conditions: Driving on dirt roads, muddy roads, soft surfaces, or mountainous roads increases resistance and fuel consumption. Natural wind: Driving against the wind or on windy days increases the car's resistance and fuel consumption. Low environmental temperatures: When the engine block is cold, the gasoline injected during a cold start does not atomize easily, requiring more gasoline to be injected for combustion, which increases fuel consumption. Additionally, at low temperatures, the engine's computer will control the engine to run at higher RPMs to warm up, which also increases fuel consumption.
7
1
Share

What does it mean when the EPC light is on in a vehicle?

The EPC indicator light can illuminate in two scenarios: during the power-on self-test and under other circumstances. The power-on self-test is a diagnostic check of all vehicle sensors before driving. Typically, if the engine is not started, the light will turn off by itself after about 3 seconds. If the EPC light remains on after starting the vehicle or illuminates under other conditions, possible causes include faults in the engine intake system, throttle body, fuel system, engine, ECU control unit, or brake lights. Below is a detailed explanation of the reasons for the EPC light illuminating under other conditions: Engine intake system fault: The EPC light may come on if the engine intake is obstructed or insufficient. Throttle body fault: Carbon buildup is a common issue with the throttle body. Additionally, dirt accumulation can affect airflow, triggering the indicator light. Fuel system fault: Issues such as substandard fuel, fuel deterioration, or poor fuel atomization can cause the light to illuminate. Engine fault: Insufficient engine pressure or problems with components like the intake valves may also trigger the EPC light. ECU control unit fault: Interference with the vehicle's computer signals or false alarms from the computer can lead to the light turning on. Brake light fault: Malfunctions such as non-functioning brake lights, faulty brake switches, or brake circuit issues can cause the EPC light to illuminate. Solutions for when the EPC light is on: Address intake system faults, use the correct fuel grade, and clean the throttle body. Remove carbon deposits from relevant components. Re-flash the ECU with updated data. If the EPC light comes on, the driver can first try turning off the engine and restarting it to see if the light remains on. If it does not, the issue may have been temporary. If the light stays on or frequently illuminates, the vehicle should be taken to the nearest service center for professional diagnosis and repair to eliminate potential safety hazards. The full English name of EPC is Electronic-Power-Control, which translates to electronic power control. Most people refer to it as the engine electronic stability system. The EPC system primarily includes controllers and sensors related to the powertrain. When sensor data deviates from normal values, the EPC system takes predefined actions to regulate the powertrain. Common EPC indicator lights are typically displayed in two colors: yellow and red. A yellow EPC fault light indicates that the vehicle can still be driven, but it should proceed slowly to a repair facility. A red EPC fault light signifies a more serious issue, and the driver should pull over immediately and contact a repair professional. Continuing to drive with a red EPC light can damage core components or compromise safety.
3
2
Share

What does ETC stand for?

ETC is the abbreviation of Electronic-Toll-Collection, which translates to electronic non-stop toll collection (electronic toll collection) in Chinese. It is an automatic toll collection system for highways or bridges. According to the State Council's regulations, starting from 2020, vehicles without ETC will not enjoy toll discounts. In the future, highway toll stations will only retain one manual lane, and tolls can only be paid through the manual channel. During free holiday periods, vehicles can still use the highway. For users who have installed ETC, passing through ETC lanes will not incur charges. ETC's toll deduction principle: There will be one or more ETC lanes on the highway. Through dedicated short-range microwave communication between the vehicle-mounted electronic tag installed on the vehicle's windshield and the microwave antenna in the ETC lane of the toll station, computer networking technology is used to settle accounts with banks in the background. This achieves the goal of vehicles not needing to stop at road and bridge toll stations to pay tolls, all based on the principle of passing first and deducting fees later. Benefits of installing ETC: Time-saving: Eliminates the hassle of queuing and waiting; Green and environmentally friendly: Green and low-carbon, vehicles pass through toll stations without stopping, reducing noise and exhaust emissions and minimizing pollution; Reduced wear and tear: Saves costs, reduces the frequency of vehicle starts and brakes, and lowers wear and fuel consumption; Improved efficiency: The efficiency of passing through ETC lanes can theoretically increase by 2-3 times or more, making traditional ETC newer, faster, and more high-tech. Compared to license plate payment, ETC technology is more mature and advantageous. More policy support: The State Council clearly stated in the "13th Five-Year Plan for the Development of a Modern Comprehensive Transportation System" that "by 2020, the interoperability of transportation cards in key urban clusters will be basically achieved, and the proportion of vehicles equipped with ETC will be significantly increased." It also explicitly set the goal in the main indicators of comprehensive transportation development during the "13th Five-Year Plan" that "by 2020, the ETC usage rate for road passenger vehicles will reach 50%." More future possibilities: In addition to continuously improving the convenience of ETC installation and usage and the usage rate of ETC passenger vehicles, the future will also promote the use of ETC for trucks and explore the deep integration of the ETC system with smart transportation development directions such as vehicle-to-vehicle communication and vehicle-road coordination. This will provide car owners with comprehensive travel services, meaning more application scenarios will support ETC applications. ETC usage precautions: The ETC transaction sensing area is 8 meters. When encountering a vehicle in front stopping, to prevent the vehicle in front from having a faulty ETC device or no ETC device at all, maintain a distance of more than 10 meters from the vehicle in front to avoid automatic sensing and paying for the vehicle in front. The recognition speed for passing through ETC lanes is 20 km/h. If the speed is too fast, the vehicle's device information cannot be read, and toll deduction will fail. Unauthorized removal or movement of the OBU device, or detachment or loosening of the ETC electronic tag, will cause the electronic tag to fail. It can be sent to the bank where the ETC card was issued or the highway service office for testing. If the loosening or detachment is not due to human factors, it only needs to be reactivated. When using a debit card bound to ETC, insufficient balance will also cause toll deduction to fail. Follow the guidance of on-site staff to use the manual MTC lane and pass by paying cash or swiping a card. Excessive thickness of the car's windshield can cause poor sensing. This is especially important for vehicles that have had their windshields replaced after accidents or for those who have modified their front windshields.
12
2
Share
Cookie
Cookie Settings
© 2025 Servanan International Pte. Ltd.