What is the coverage of vehicle damage insurance?

[AshleyRose]

The coverage of vehicle damage insurance is specifically introduced as follows: 1. The insurer is responsible for compensating for the losses of the insured vehicle caused by the following reasons when the insured or their permitted drivers are using the insured vehicle: (1) Collision, overturning, falling; fire, explosion, spontaneous combustion (requires separate spontaneous combustion insurance); falling or collapsing of external objects; storm, tornado; (2) Lightning strike, hailstorm, torrential rain, flood, tsunami; ground collapse, ice collapse, cliff collapse, avalanche, mudslide, landslide; the ferry carrying the insured vehicle suffering from natural disasters (limited to drivers accompanying the vehicle on 58 Auto). 2. In the event of an insurance accident, 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, with the maximum amount not exceeding the insured amount.

[JoelMarie]

Speaking of the coverage of auto damage insurance, I have deep personal experience. It mainly compensates for losses caused by natural disasters or accidental incidents, such as your car being submerged in water during a typhoon or accidentally hitting a tree while driving—the insurance company covers all repair costs. Extreme events like fire and explosions are also covered. However, it's important to note that intentional damage to your own car, accidents caused by drunk driving, or incidents due to war or nuclear explosions are not covered. The deductible can be tricky, so I recommend purchasing the additional "no deductible" coverage—this way, you won’t have to pay a penny if an accident occurs. I remember a neighbor whose car was flooded during a flood; they reported it to the insurance company promptly, and the repair costs were fully reimbursed. Auto damage insurance is about spending a small amount to protect against major risks. I believe every car owner should have it, especially in areas with unpredictable weather. Regularly review your policy terms to avoid misunderstandings about coverage details.

[BriannaAnn]

As an average car owner, I focus on the practical aspects of collision insurance coverage. It covers repair costs for various accidents, including natural disasters like hail damage, flood submersion from heavy rains, or windstorm scratches. It also applies to incidents such as backing into guardrails or being rear-ended by others. However, exclusions include drunk driving, intentional damage, or war-related incidents. For claims, always provide police reports and accident evidence to avoid delays. From my experience with minor scrapes, filing claims led to quick, cost-effective repairs. Adding a deductible waiver clause provides extra peace of mind. I find it more economical to adjust coverage based on the vehicle's condition – older cars may need less exterior protection. Regularly review and update policies to ensure comprehensive coverage.

[Lucas]

When I first bought my new car, I researched vehicle damage insurance coverage. It covers repair costs for damage caused by external events, such as flooding or being hit by a tree, and also includes accidents like backing into a wall. However, intentional damage or nuclear accidents are not covered. The claims process usually requires filing a police report and providing evidence. I recommend that beginners purchase comprehensive additional insurance to protect against risks.