What are the main coverage items of auto damage insurance?

[BennettAnn]

Auto damage insurance coverage includes: First, collision and overturning of the vehicle. Collision refers to direct contact between the insured vehicle and external objects. Intentional scratches on the insured vehicle are not covered under auto damage insurance. Overturning means the insured vehicle flips over due to natural disasters or accidents, losing its normal condition and driving capability, and cannot be restored to operation without rescue. Second, fire and explosion of the vehicle. Third, collapse of external objects, falling objects from the air, or parallel falling of the insured vehicle while in motion. Fourth, the vehicle being struck by lightning, storms, tornadoes, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, hailstorms, mudslides, or landslides. Fifth, damage to the insured vehicle caused by the aforementioned natural disasters when the insured vehicle is being transported on a ferry with the driver on board to take care of it. In the event of an insured incident, necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle are also covered by the insurer, up to the insured amount. Specific compensation items include: First, repair costs for damage to the insured vehicle caused by an insured incident, as well as reasonable rescue expenses, such as towing fees when the insured vehicle loses its normal driving capability. Second, reasonable expenses for using firefighting equipment belonging to others (non-professional firefighting units) during the rescue process, and the portion of damage to others' property caused by the rescue that should be borne by the insured. Third, reasonable expenses incurred due to accidents during towing by hired tow trucks that lead to increased damage to the insured vehicle, and expenses for protective measures.

[Carson]

I've been driving for almost twenty years and have experienced several accidents. The coverage of auto damage insurance is actually quite extensive. It mainly covers the vehicle's own losses, such as scratches or deformations caused by collisions, for which the insurance company has to pay the repair costs. There are also unexpected incidents like fires and explosions—my neighbor's car got blackened when their garage caught fire, and the insurance paid out directly. Natural disasters are also covered, such as typhoons, floods that submerge the car, or trees falling and damaging the vehicle. However, sometimes you need to add an additional rider for earthquakes to be fully covered. Additionally, theft and robbery are included. A friend of mine had their car stolen, and the insurance company paid the depreciated value of a new car. In short, all these coverages are clearly stated in the policy, helping us car owners save a lot on repair costs. Before buying insurance, make sure to read the terms carefully—don’t skimp on premiums only to suffer bigger losses later.

[CamilleLee]

As someone who has done some research on auto insurance, I understand that the core responsibility of vehicle damage insurance is to compensate for the physical damage to the vehicle itself. This mainly includes collision accidents, such as damage caused by rear-end collisions or hitting obstacles. Non-collision events are also significant, with compensation available for incidents like fires, explosions, or external factors such as hail damaging the car. In terms of natural disasters, insurance companies handle claims for vehicles damaged or submerged due to typhoons or floods. Theft coverage is typically included, but timely police reporting is required for proof. Additionally, unexpected incidents like construction debris falling and damaging the car are also covered. It's important to note that everyday wear and tear or earthquake damage may be excluded, depending on specific policy details. Choosing an appropriate deductible when purchasing insurance can balance premium costs and coverage expenses, while being mindful of road conditions while driving can reduce accident risks.

[SanMia]

I believe the responsibility of auto damage insurance is to protect the vehicle from various accidental damages. It primarily covers collision-related losses, such as accidentally scraping against guardrails while driving. It also includes emergencies like fires and explosions, where the insurance company can compensate for repair costs. Natural disasters such as flood damage or trees toppled by typhoons damaging the car are also covered. Additionally, in cases of theft, if the car is stolen, partial compensation can be claimed after reporting the incident. These coverages provide peace of mind while driving, especially in disaster-prone areas, eliminating concerns over hefty repair bills. Regular vehicle maintenance checks and maintaining a clear insurance record are essential.

[GabrielaLynn]

From a car buying experience perspective, the auto damage insurance coverage encompasses most accidents. Collision incidents such as rear-end collisions or backing into a wall are covered. Fire and explosion accidents, including vehicle self-ignition, are also included. Natural disaster coverage includes external damages caused by typhoons, floods, and snow hazards. Theft losses require proof for compensation, but earthquakes often require additional coverage. Additionally, damages from falling objects during construction are covered. Before selecting insurance, compare policies from different companies and understand the deductible to avoid losses when filing a claim. Practicing cautious driving daily can lower risk and premiums. Regularly check the policy's validity period to ensure uninterrupted coverage.