What does car damage insurance cover?

[DelElizabeth]

Car damage insurance primarily compensates for the loss of your own vehicle in the event of an insured accident. The following are relevant details: I. Coverage items of car damage insurance: 1. Collision, overturning, falling; 2. Fire, explosion, spontaneous combustion (requires separate spontaneous combustion insurance); 3. Natural disasters affecting ferries transporting the insured vehicle (limited to cases where the driver is present to care for the vehicle). Note: Damages caused by earthquakes, wars, confiscation, competitions, illegal activities, etc., are not covered. II. Exclusions under car damage insurance: 1. Using the insured vehicle for illegal activities. 2. Driving under the influence of alcohol, drugs, or medication. 3. Hit-and-run incidents involving the insured vehicle.