What are the insurance company's standards for headlight replacement?
2 Answers
Headlights can only be replaced if the mounting tabs are broken or if the lens housing is damaged. Additional details are as follows: 1. Overview: Vehicle insurance, also known as auto insurance or motor insurance, refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Other Information: Auto insurance is a category of property insurance. Within the property insurance sector, auto insurance is a relatively young line of coverage. In its early stages, auto insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body.
I remember last year after the car accident, the headlight was shattered, so I contacted the insurance company. Their criteria mainly depend on the cause of the damage: if it's due to an accident, collision, or vandalism, the insurance company usually covers the replacement costs. However, you need to provide an accident report, police records, as well as the repair shop's diagnostic proof and quotation. Things like normal bulb aging or self-inflicted damage are not covered. The whole process was straightforward—I went to a partnered repair shop, they confirmed the damage, and directly replaced the headlight. Now, driving safety comes first; driving with a non-functional headlight is too risky. Insurance claims can save a lot of money, so I suggest contacting your insurance agent early to provide the necessary documents in such cases. Additionally, some insurance plans differentiate between OEM and aftermarket parts standards, so check your policy details before making a choice to avoid any disadvantages. In short, damages caused by accidents are generally claimable, but don't count on it if it's your own fault. Regularly checking and maintaining your car lights is also a good habit.
