Is hitting a wall covered in full or only 70%?
2 Answers
Hitting a wall is covered in full by the insurance company. What the insurer considers is not whether you hit a wall or a stone pillar, but whether the car owner has preserved the first scene of the accident—at least by taking photos as evidence. If you do nothing after the incident and simply leave, there will be a 30% deductible rate, as stipulated in the contract. If your parked car is hit by someone else and the culprit cannot be found when you discover the damage, insurance companies offer a special "Motor Vehicle Loss Insurance Unable to Find Third Party" coverage. Purchasing this coverage ensures full compensation. If your car only has compulsory traffic insurance or if you did not purchase vehicle damage insurance under commercial auto insurance but only third-party liability insurance, then incidents like hitting a wall will not be covered by the insurance company. This is because hitting a wall is considered a single-party accident with no third party suffering losses.
I once accidentally drove my car into a wall, causing the front end to dent badly. At that time, my insurance company handled it quite efficiently—as long as I had purchased vehicle damage insurance and the no-deductible coverage, they basically covered the full cost, so I didn’t have to pay out of pocket. However, it’s important to note that insurance policies usually include a deductible, such as covering costs above 500 RMB yourself. If you don’t have the no-deductible coverage, they might only reimburse 80%-90%, not 70%. After that accident, I learned that for single-vehicle accidents, you must report to the police and your insurance company immediately. Wait for the traffic police to determine liability and confirm it’s your full responsibility—then they’ll send someone to assess the damage. The repair costs were quite high, costing me over 10,000 RMB, but the insurance covered it all. To prevent it from happening again, I now drive more carefully and remind everyone to avoid obstacles and not get distracted by phones. Another tip is to regularly check your tires and brakes—keeping your car well-maintained also reduces the chance of accidents. In short, insurance is a safety net, but safe driving is even more important.
