What Does Comprehensive Motor Vehicle Damage Insurance Cover?

1 Answers
VanJason
07/30/25 6:17am
Comprehensive vehicle damage insurance is a broader coverage variant of standard vehicle damage insurance, incorporating combined insurance elements. It consists of the primary vehicle damage insurance supplemented by additional coverages such as body scratch insurance and glass breakage insurance. Motor vehicle damage insurance refers to the insurer's compensation for the damage or loss of the insured vehicle caused by accidents within the coverage scope. The following are circumstances under which the insurer will not be liable for compensation, regardless of the cause: 1. Earthquakes, wars, military conflicts, terrorist activities, riots, seizures, confiscations, or government requisitions; 2. Participation in competitions or tests, or during repair and maintenance at commercial service facilities; 3. Use of the insured vehicle for illegal activities.
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