What are the consequences of not purchasing vehicle damage insurance?

[MacLola]

Vehicle damage insurance is not bought the consequences are: when the vehicle is scratched elsewhere, the owner needs to bear all the vehicle repair costs. In the event of a traffic accident, unless the other party is fully responsible, otherwise, when there is responsibility, they also need to bear part of the cost. Vehicle damage insurance in auto insurance belongs to commercial insurance and is voluntarily purchased. Vehicle damage insurance refers to a type of commercial auto insurance where the insurance company compensates within a reasonable range when the insured or their permitted driver causes damage to the insured vehicle during use due to an insurance accident. Vehicle damage insurance and third-party liability insurance are the basic insurances for vehicles, mainly compensating for the loss of the insured vehicle and the loss caused to third parties by the insured vehicle during use.

[BrooklynFitz]

Last time, to save a bit on insurance premiums, I didn't purchase comprehensive car insurance. As a result, I backed into a wall and dented the door badly. The repair cost over 6,000 RMB, all out of my own pocket—it was heartbreaking. Later, during a heavy rainstorm, my car got flooded, and the engine repair was even more expensive. That's when I regretted not having insurance. Especially now with so many cars on the road and new drivers with unstable skills prone to minor accidents, repair costs can easily run into thousands. If I had bought comprehensive insurance, these unexpected incidents would have been covered by the insurance company, and I'd only have to bear part of the loss. I sincerely advise not to skimp on this expense; otherwise, when accidents happen, the losses can be too much to bear.

[Selena]

Many friends think car damage insurance is unnecessary, but I've seen too many cases in the insurance industry. The biggest role of this insurance is to deal with accidents where you're at fault, such as hitting a tree or utility pole by yourself, or losses caused by natural disasters. If you only have compulsory traffic insurance, you won't get a penny for such accidents. Additionally, when facing situations where the other party has no insurance or refuses to pay, the pressure of repairing your own car is too great. Nowadays, replacing a headlight at an auto repair shop costs over a thousand, and bodywork and painting can easily run into thousands. Rather than saving a few hundred in premiums, it's better to spend a little for peace of mind, especially for friends driving nice cars who should seriously consider this.

[LeTanner]

Five years of driving experience taught me that comprehensive car insurance is a must. Last year on the highway, a flying rock shattered my windshield, and replacing it with an original factory glass cost me over 4,000 yuan. Had I purchased comprehensive coverage with zero deductible, I wouldn't have paid almost anything. Situations like vehicle theft or spontaneous combustion can bankrupt you without insurance coverage. Especially for new car owners - seeing your beloved car scratched hurts, but insurance ensures quality repairs done quickly. Premiums may seem expensive, but spread over months it's just 200-300 yuan, far better than sudden massive repair bills.