What Does Comprehensive Car Insurance Refer To?
1 Answers
Comprehensive car insurance refers to compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + no-deductible coverage + passenger liability insurance. Under certain conditions, additional coverage such as theft insurance, glass insurance, body scratch insurance, and spontaneous combustion insurance can be added. The following are situations where claims are not covered: 1. Car theft in paid parking lots: Generally, if a vehicle is stolen from a paid parking lot or commercial repair shop, the insurance company will not be responsible for compensation. This is because the insurance company considers that the parking lot is responsible for the safekeeping of vehicles parked in paid parking areas, and the insurance company is not liable. 2. Intentional accidents by the driver: According to the insurance policy terms, intentional actions by the driver are excluded from coverage. Therefore, even in any emergency situation, if the accident is caused by the driver's deliberate actions, the insurance company will not be responsible for compensation.