What does vehicle damage refer to?
2 Answers
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 insured accident while the vehicle is being driven by the insured or an authorized driver. Vehicle Damage Insurance (commonly referred to as collision coverage) is the most widely used type of vehicle insurance. Whether it's minor scratches and dents or severe damage, the insurance company will cover the repair costs. The following are additional scenarios where the insurer is responsible for compensation: 1. Collision, overturning, falling; 2. Fire, explosion, spontaneous combustion (requires separate spontaneous combustion coverage); 3. Falling or collapsing external objects; 4. Storm, tornado; 5. Lightning, hail, heavy rain, flood, tsunami; 6. Ground collapse, ice collapse, cliff collapse, avalanche, mudslide, landslide; 7. Natural disasters affecting the ferry carrying the insured vehicle (limited to cases where the 58 Auto driver is accompanying and caring for the vehicle).
I previously encountered vehicle damage issues, which were quite frustrating—simply put, it refers to various damages the car suffers, such as collisions, scratches, or destruction caused by natural disasters. For example, that time I parked improperly, and my car got rear-ended, leaving a dent in the body and peeling paint, which was heartbreaking to see. Vehicle damage not only affects appearance but also poses safety hazards, like frame deformation reducing structural strength, making it prone to issues at high speeds. It’s best not to delay and promptly visit a 4S shop for inspection and repairs; otherwise, minor scratches could turn into major repairs, costing more. New car owners often overlook this—I recommend driving slower and avoiding rough roads, as the car is an asset, and keeping it intact saves hassle.
