What Does Vehicle Self-Damage Insurance Cover?

[DelLincoln]

It refers to the insurance compensation for vehicle repair costs when the vehicle is damaged due to the owner's fault. Below is the relevant introduction: 1. Compulsory Traffic Insurance: Vehicle insurance requires the payment of compulsory traffic insurance, but it does not cover vehicle self-damage. Vehicle self-damage can be compensated through vehicle damage insurance or self-damage insurance. 2. Self-Damage Insurance: The claims process is the same as other insurance types. For vehicle self-damage claims, follow the steps of reporting the case, assessing the damage, repairing the vehicle, obtaining an accident certificate, submitting documents, and receiving the insurance compensation. 3. The required materials are as follows: claim notice, repair order, damage assessment form, repair invoice, work order, material list, third-party certificate, and claim settlement document.

[Barbosa]

I've been driving for ten years and have purchased self-damage insurance several times. It mainly covers situations where the car is damaged by itself, such as collision repairs from accidentally scraping against trees or walls during daily driving, or natural disasters like heavy rain or hail scratching the car body. It also covers claims in case of fire or the entire vehicle being stolen. The insurance company will help pay for repairs or even replace parts, but the condition is that the damage wasn't intentionally caused—damage from drunk driving, for example, isn't included. Every time I made a claim, it was quite convenient. After calling to report the incident, a technician would come to tow the car to the shop for repairs. I think this insurance is especially important for new drivers, as it saves worry and avoids high repair bills. If the car is old, the premium might be a bit higher, but overall, it's worth it.

[DiBlakely]

When I bought my first car, I immediately added comprehensive insurance, which covers quite practical aspects, mainly including compensation for the vehicle's own losses, such as the cost of bodywork and painting after an accidental collision, replacement of glass damaged by falling branches, and repairs for electronic system failures caused by flooding. It does not cover issues arising from vandalism or self-installed modifications. A friend of mine once had their car hit by a tree knocked over by a typhoon, and the insurance company handled it quickly, saving them tens of thousands in repair costs. It's advisable to carefully review the policy details when choosing insurance, especially the coverage amount and deductible, and not to overlook the convenience in emergencies just to save a little money.

[EliasMarie]

I think comprehensive insurance is like a safety net. It's common to have minor accidents while driving, and it covers the cost of repairing your own vehicle's damage without having to pay out of pocket. Common scenarios include collision scratches, replacing internal parts after a thief breaks into the car, or repair costs for wheel damage caused by sudden road collapses. The key is not to miss the claim deadline, otherwise it may become invalid. I usually check if the coverage has been updated for natural disaster items when renewing my insurance every year.