What is the coverage of vehicle damage insurance?
2 Answers
The coverage of vehicle damage insurance is extensive, mainly including the following: 1. Collision, overturning, falling. 2. Fire, explosion. 3. Falling or collapsing of external objects. 4. Lightning, storm, heavy rain, flood, tornado, hail, typhoon, tropical storm. 5. Ground collapse, cliff collapse, landslide, mudslide, avalanche, ice collapse, snowstorm, ice, sandstorm. 6. Accidental impact from goods carried by the insured vehicle or people on board. 7. Natural disasters affecting the ferry carrying the insured vehicle (only applicable when the driver is on board).
The coverage of vehicle damage insurance is quite extensive. Having driven for over a decade, I've relied on it for claims in many situations. It covers damages to the vehicle in accidents, such as hitting a wall or being rear-ended, where the insurance company pays for repair costs. Natural disasters like flooding from heavy rain, hail damage, or vehicles being swept away by typhoons are also covered. Once, my car was damaged by a flood in my hometown, and the insurance covered all the costs. Losses caused by fire accidents are included too—if your car accidentally catches fire, most of the repair costs can be reimbursed. In cases of theft or robbery, the insurer compensates based on the car's value, but normal wear and tear like tire aging isn’t covered, nor is intentional damage or accidents caused by drunk driving. When filing a claim, it’s important to report promptly, provide accident proof and repair invoices, and opting for a low deductible policy is more cost-effective. Regular car maintenance can reduce the likelihood of claims, allowing the insurance to work most effectively.
