What Does Vehicle Damage Insurance Cover?
2 Answers
Vehicle damage insurance in auto insurance includes glass damage, spontaneous combustion, inability to find a third party, engine water submersion, no deductible rate, designated repair shops, and comprehensive theft insurance. Below is more information about vehicle damage insurance: Introduction: Vehicle damage insurance refers to a type of commercial auto insurance where the insurer compensates within reasonable limits for damage to the insured vehicle caused by an accident while the vehicle is being used by the insured or an authorized driver. Coverage includes: collision, overturning, falling; fire, explosion, spontaneous combustion (requires separate spontaneous combustion insurance); falling or collapsing external objects; storms, tornadoes; lightning, hail, heavy rain, floods, tsunamis, etc.
I recently bought a car and researched comprehensive car insurance. It mainly covers damage to the vehicle itself, such as repairs after a collision in an accident, which the insurance company will pay for. It also covers natural disasters, like if the car gets flooded by a typhoon. Additionally, unexpected events such as fire, explosion, or theft are included. What it doesn't cover are daily wear and tear or minor scratches. Having this insurance is really reassuring, especially for new drivers who might have minor bumps. It's advisable to choose an appropriate coverage amount to avoid headaches when filing a claim. Always drive safely and regularly check your tires and brakes to reduce the risk of accidents.
