Under what conditions can a total loss be claimed for vehicle damage?

[VanMaximus]

Vehicle total loss is divided into two situations: one is actual total loss, which means the vehicle is completely destroyed and cannot be repaired; the other is constructive total loss, which means although the vehicle can still be repaired, the repair cost reaches or exceeds the actual value of the vehicle. The following is the relevant introduction to vehicle damage insurance: 1. Benefits: The insured vehicle can receive compensation for repair costs due to damage caused by insurance liability accidents, as well as reasonable rescue measures taken by the owner for the vehicle. When rescuing the insured vehicle, the insurance company should compensate for the reasonable costs of using others' firefighting equipment. 2. Meaning: Vehicle damage insurance refers to the loss of the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, which is the most expensive insurance type in most private car insurance policies.