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.