What Does Motor Vehicle Damage Insurance Cover?
2 Answers
Vehicle damage insurance covers external force damage, external object damage, and natural disasters. External force damage: Collision, overturning, falling; losses to the insured vehicle caused by accidents such as accidental collisions (unintentional impact between the insured vehicle and external objects), rollovers, etc. External object damage: Falling or collapsing external objects; losses to the insured vehicle caused by collapsing external objects, falling airborne objects, or the insured vehicle falling parallel while in motion. Natural disasters: Tornadoes, lightning strikes, floods, tsunamis; ground collapse, ice collapse, cliff collapse, avalanches, mudslides, landslides, fires, explosions, excluding earthquakes.
Over the past decade of driving, I've found that auto damage insurance is truly practical as it covers various accidental damages to the vehicle. The most common claims involve repair costs after collisions, such as bodywork repairs following rear-end collisions or being hit by another vehicle. It also includes damages caused by natural disasters like engine flooding, typhoon damage to the car body, or hail damage to the roof. Unexpected incidents such as vehicle fires due to spontaneous combustion, compensation for total theft, and standalone glass breakage like windshield cracks are also covered. I've learned that it compensates for physical damage to the vehicle, saving car owners both worry and money by avoiding out-of-pocket expenses that could amount to tens of thousands in repairs. However, it's important to note that normal wear and tear or intentional damage isn't covered, so driving carefully and practicing safe driving habits can help minimize claims. Regular inspections of the vehicle's electrical system can also prevent spontaneous combustion. These details make me feel that investing in this insurance is worthwhile, especially in big cities with complex road conditions where accidents can happen anytime you step out.
