What are the 7 minor coverages included in new vehicle damage insurance?
3 Answers
New vehicle damage insurance includes vehicle loss insurance, third-party liability insurance, theft insurance, seat liability insurance, standalone glass breakage insurance, spontaneous combustion insurance, scratch insurance, and compulsory traffic insurance. The following is a detailed introduction to vehicle loss insurance: 1. Coverage includes: vehicle loss insurance, third-party liability insurance, theft insurance, seat liability insurance, standalone glass breakage insurance, spontaneous combustion insurance, scratch insurance, and compulsory traffic insurance. 2. Scope: The insured vehicle is covered for parallel falling during driving, storms, tornadoes, lightning strikes, hail disasters, heavy rain, floods, tsunamis, ground subsidence, ice subsidence, cliff collapses, avalanches, mudslides, and landslides.
When I first got my new car, I spent some time researching auto damage insurance, which includes seven minor coverages: vehicle loss insurance, total vehicle theft insurance, standalone glass breakage insurance, spontaneous combustion loss insurance, engine water damage insurance, no-deductible rate insurance, and third-party special agreement insurance for untraceable parties. For urban commuters like me, having full coverage brings peace of mind, especially theft insurance to prevent car theft and glass breakage insurance to cover unexpected repairs. Water damage insurance is super practical during the rainy season, avoiding major engine repairs from flooding. No-deductible insurance eliminates out-of-pocket expenses, making claims simpler. I recommend new car owners compare prices before purchasing and choose key coverages based on driving habits, such as glass insurance for frequent highway driving—cost-effective and reliable. Remember, safe driving is paramount, and regular vehicle checks can reduce the risk of claims.
Having driven for twenty years and experienced various accidents, I've learned that the seven types of new car damage insurance must be remembered: vehicle damage insurance, theft insurance, glass breakage insurance, spontaneous combustion insurance, water submersion insurance, no-deductible insurance, and third-party-not-found insurance. Each corresponds to specific risks, such as spontaneous combustion insurance preventing old cars from catching fire, and water submersion insurance being indispensable in flood-prone areas. No-deductible insurance ensures full compensation, saving money and hassle. I recommend car owners choose insurance based on the vehicle's age and region—full coverage for new cars, and focus on water submersion or spontaneous combustion for older cars. Regularly review your policy and consult friends to share experiences. During car maintenance, pay attention to the electrical system and coolant to reduce the risk of spontaneous combustion—this is the long-term solution.
