What insurance should I claim for my damaged vehicle?
3 Answers
Vehicle damage insurance will provide compensation, but the specific coverage needs to be determined based on the actual situation. Here is relevant information about motor vehicle insurance: Definition: Motor vehicle insurance, also known as auto insurance (abbreviated as car insurance), refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Development: The real development of motor vehicle insurance occurred after World War II. On one hand, the popularity of automobiles made road accidents a widespread social hazard; on the other hand, many countries included third-party liability for various motor vehicles, including cars, in the scope of compulsory insurance. Therefore, motor vehicle insurance has become a universally significant insurance business worldwide.
As someone who just started driving not long ago, I'm most afraid of car accidents. My first reaction when the car gets damaged is to look for vehicle damage insurance, which is an option in the commercial insurance you purchase, specifically covering the repair costs of your own car. I remember not long after I bought my new car, I accidentally scraped the corner while parking. I was a bit panicked at the time, but I quickly took photos as evidence and contacted the insurance company. They told me not to disturb the scene and directly call the claim hotline, then arranged for me to go to a partnered repair shop. The whole process wasn't super fast but was quite reliable. If you don't have this coverage, you'd have to pay for repairs out of pocket, which would be a huge loss. Minor accidents like this are nothing, but natural disasters like hail damaging your car also depend on your insurance coverage. It's recommended to regularly check the details of your policy—safety first, don't be careless. Having vehicle damage insurance is the basic protection for car owners; don't risk it just to save on premiums.
Having driven for over a decade, experience tells me that vehicle damage is primarily resolved through auto damage insurance. This is the core coverage in commercial insurance, covering all damages to your own vehicle, whether it's accidentally hitting a tree or repair costs after being rear-ended by someone else. That time when a stone cracked my windshield on the highway, I directly claimed under auto damage insurance, and the assessment and claim were processed quickly after reporting. The entire process was smooth: don’t panic after an accident, take photos and videos, contact the insurance company, fill out forms, and they’ll handle the rest. Without this insurance, you’d have to cover the costs yourself—don’t expect compulsory traffic insurance to cover your own damages. Opting for additional items like no-deductible coverage when insuring is better; spending a little extra brings much peace of mind. Minor bumps and scrapes are inevitable when driving, so ensuring comprehensive insurance coverage is the key to driving with confidence.
