How to Claim Compensation for Self-Responsible Vehicle Damage?

[LaDelilah]

Your vehicle damage can be claimed through your own vehicle damage insurance. If you have not purchased vehicle damage insurance, you cannot claim compensation for your vehicle damage and will have to bear the related financial losses yourself. When purchasing auto insurance, it is also necessary for the owner to choose the types of insurance based on their actual needs.

[DeclanDella]

I've been through this before. Last year, I got distracted while driving and hit a roadside pole. It was entirely my fault, and the car's bumper and lights were damaged—it broke my heart. Fortunately, I had collision coverage under my commercial insurance. I immediately reported it to the insurance company. They sent someone to take photos and assess the damage, and within a week, the compensation was paid directly to the repair shop—I didn’t have to spend a single penny. But if I hadn’t bought this insurance, I would’ve had to pay out of pocket, and the repairs would’ve cost me thousands. I’ve learned my lesson now—I keep my eyes on the road and double-check my insurance to avoid losses. Remember, after an accident, don’t move the scene. First, call the police to file a report, then contact your insurance company. Following the process saves trouble and keeps things safe.

[JustinLynn]

As a seasoned driver who frequently travels on business, I've had similar experiences—like when my car rolled and hit a wall due to a parking mishap, leaving the body dented and me fully at fault. Fortunately, I had comprehensive car insurance. After calling 95518 to report the claim, the customer service guided me through filling out the forms and sending the car to the designated assessment center. The payout was processed directly for repairs. Without insurance, I would have had to negotiate with repair shops myself, where costs could range from a few thousand to over ten thousand yuan. The key is to choose the right insurance coverage in advance—don't skimp on a few hundred yuan now only to regret it later. Also, don’t overlook routine maintenance, like checking tires and brakes, to reduce accident risks.

[StNaomi]

Once while grocery shopping, I reversed too hastily and scraped the wall, messing up the car paint. The repair cost 300 yuan with no insurance coverage, so I had to pay out of pocket. My wallet ached, so I quickly asked friends to find a cheaper repair shop to save some money. Learned my lesson to drive slower, especially when turning or reversing, and to check the rearview mirror more often. Insurance is really useful—collision coverage can cover losses from your own mistakes. It's wise to budget and choose an affordable plan to avoid sudden expenses.