If I don't have auto damage insurance, do I have to pay for repairs myself in case of an accident?

1 Answers
DanteRose
07/30/25 7:09am
Without auto damage insurance, you will have to bear all the repair costs for your own vehicle in the event of an accident. Introduction to Auto Damage Insurance: Auto damage insurance is a type of commercial auto insurance where the insurance company compensates within reasonable limits for damages to the insured vehicle caused by an accident while being used by the insured or an authorized driver. Coverage of Auto Damage Insurance: Most insurance policies have similar provisions, as insurance companies lack standardized criteria for assessing emotional distress. Any compensation related to emotional distress caused by an insurance incident is considered excluded from coverage. In the aforementioned scenarios, the driver does not meet the qualifications for road use and severely violates traffic regulations. Additionally, if the driver's license does not match the vehicle type or if they are driving on highways during the probationary period, the insurance company will also refuse to pay.
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