What Does Vehicle Self-Damage Insurance Cover?
2 Answers
Vehicle self-damage insurance covers: 1. The insurer is responsible for compensating for the losses of the insured vehicle caused by the following reasons during the use by the insured or their permitted drivers: (1) Collision, overturning, falling; (2) Fire, explosion, spontaneous combustion (requires additional spontaneous combustion insurance); (3) Falling or collapsing of external objects; (4) Storm, tornado; (5) Lightning strike, hail disaster, heavy rain, flood, tsunami; (6) Ground collapse, ice collapse, cliff collapse, avalanche, mudslide, landslide; (7) The ferry carrying the insured vehicle suffering from natural disasters (limited to 58 Auto drivers accompanying the vehicle). 2. Rescue expenses: In the event of an insurance incident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle shall be borne by the insurer, up to the insured amount.
The auto comprehensive insurance mainly covers losses caused by natural reasons or accidents, such as damage from weather disasters like heavy rain or hail. If your car gets flooded or hit, the insurance company will pay for the repairs. It also covers accidental damages—like the time I was rear-ended while driving, and the front of my car was completely dented, but the comprehensive insurance promptly covered the repair costs, saving me a lot of hassle. Additionally, damages caused by fire or explosion are also included. I once heard about a friend whose car caught fire due to an electrical issue, and the insurance fully compensated for it. However, remember that it doesn’t cover intentional damage or normal wear and tear, so regular vehicle maintenance is essential. Overall, this type of insurance is quite practical, especially in areas prone to natural disasters, providing peace of mind for car owners. When purchasing insurance, it’s advisable to clarify the terms to avoid issues during claims.