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What is the difference between motor vehicle loss insurance and car damage insurance?

1 Answers
StHenry
07/30/25 5:39am
There is no difference between motor vehicle loss insurance and car damage insurance; car damage insurance is the abbreviated term for motor vehicle loss insurance. The following are not covered under car damage insurance: Earthquake: Most property insurance does not cover earthquakes, and earthquake coverage is also excluded from auto insurance clauses. Mental distress: Most insurance clauses have similar provisions, as insurance companies lack a standardized method for assessing mental harm. Any compensation related to mental distress caused by an insurance incident is considered excluded from coverage. Drunk driving, unlicensed driving, or driving without an annual inspection: In these cases, the driver does not qualify to operate the vehicle on the road, which is a serious violation of traffic laws. Additionally, situations such as the driver not matching the permitted vehicle type or driving on highways during the probationary period will also result in the insurance company refusing to compensate. Damage caused by restarting the engine after water ingress: If the vehicle is driven into deep water, and the engine stalls, then the driver forcibly restarts it, causing damage, this is considered improper operation and is not covered under compensation. Theft of certain parts: Insurance companies typically stipulate that "partial theft, where only vehicle parts or accessories are stolen, robbed, snatched, or damaged" is an exclusion. Tire blowout: Damage to car tires alone is not covered by insurance. However, if a tire blowout leads to a collision, rollover, or other accidents causing damage to other parts of the vehicle, the insurance company will be responsible for compensation.
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What is the issue with oil leakage in the rear axle of the Mitsubishi Pajero?

The reasons for oil leakage in the rear axle of the Mitsubishi Pajero are as follows: 1. Incorrect assembly or damage to the oil seal of the main drive pinion. 2. Porosity or sand holes in the bearing housing casting: In this case, replacing the oil seal will not solve the problem, and the bearing housing must be replaced. 3. Overfilling of gear oil: Damage to the oil seal lip during the assembly of the half-shaft. 4. Misalignment of the rear axle wheel hub flange connection holes: This causes the half-shaft and wheel hub to be out of alignment, leading to repeated damage to the half-shaft oil seal. 5. Damage to the inner oil seal of the rear wheel hub: Lubricant is thrown out from the inner wheel disk. To prevent oil leakage in the vehicle's rear axle, first, pay attention to the gaskets. The gaskets between the components of the rear axle mainly serve to prevent leakage and provide sealing. If the quality of the gaskets is too poor, they may not effectively seal and prevent leakage, potentially leading to accidents and oil seepage. Secondly, all the fastening nuts on the rear axle need to be tightened according to the specified torque. If they are too loose, the gaskets may leak due to insufficient pressure, and if they are too tight, the metal protrusions around the screw holes can also cause oil seepage.
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What does oil viscosity mean?

Oil viscosity is the most important performance indicator for measuring the fluidity of engine oil under various conditions. It mainly consists of two aspects: 1. The lower the oil viscosity, the thinner the oil film, the better the fluidity, and the relatively smaller the resistance to engine operation. 2. The higher the oil viscosity, the thicker the oil film, the weaker the fluidity, and the relatively greater the resistance to engine operation. Methods for selecting oil viscosity: 1. Based on vehicle age New cars should use oil with slightly lower viscosity, and 5W30 would be more suitable. As the vehicle ages, choose oil with slightly higher viscosity. Older car engines experience more severe wear, so relatively higher viscosity oil is needed for a more comfortable and smoother driving experience. In this case, 5W40 would be more appropriate. 2. Based on vehicle series If your car is from Europe or America and consumes too much oil, you can consider fully synthetic oil with slightly higher viscosity. Japanese and Korean cars generally have good sealing, so oil with slightly lower viscosity can be chosen, and 5W30 is a good option. 3. Based on road conditions Road conditions can greatly affect the lifespan of the oil. In areas with poor road conditions, the oil change interval should be shortened. In urban areas with frequent traffic jams and stops during driving, lower viscosity oil is recommended. If you frequently drive long distances or on highways, you can choose 5W40.
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Where is the Transmission Oil Filler Port Located?

The transmission oil filler port is typically located on the transmission oil pan. For manual transmissions, there are generally two bolts on the transmission housing: the upper bolt serves as the oil filler port, while the lower one is the oil drain port. In automatic transmissions, there are two bolts of different sizes on the transmission pan: the larger one is the drain port, and the smaller one is the filler port. Additional Information: 1. Before replacing transmission fluid, the old fluid must first be drained by loosening the drain port screw at the bottom. However, due to the internal structure of the transmission, the old fluid often cannot be completely drained, resulting in a relatively low fluid replacement rate with this method. For automatic transmissions, it is more advisable to use a fluid exchange machine. This machine injects new fluid into the transmission while simultaneously extracting the mixture of old and new fluid until the fluid inside the transmission becomes clear. This method consumes more new fluid—approximately double the amount required for manual transmissions—usually around 12 liters. Although the cost is higher, the replacement rate is significantly better, ensuring that most of the old fluid is removed and the performance of the new fluid is better preserved. 2. Transmission fluid is a lubricant that maintains the cleanliness of the gear system, providing lubrication to prolong the lifespan of the transmission components. It offers effective lubrication even under low-temperature conditions and reduces fluid loss during demanding operations. Depending on the transmission type, transmission fluid is categorized into automatic transmission fluid (ATF) and manual transmission fluid.
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Does Germany drive on the right?

Germany drives on the right, with the driver's position on the left. The direction of road traffic is an important aspect of traffic regulations worldwide, specifying the side of the road vehicles should drive on to avoid confusion and accidents. However, pedestrians and vehicles follow different movement paths (heterogeneous tracks). Road traffic directions can be categorized into two types: driving on the left side of the road and driving on the right side of the road. 34% of countries drive on the left, while 66% drive on the right. In terms of road mileage, 28% of the world's drivable roads are left-driving, and 72% are right-driving.
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How to judge the left and right distance when driving an SUV?

Techniques for judging the left and right distance when driving an SUV: When the wiper coincides with the center line on the ground, the vehicle's tires will run over the center line. When the intersection of the panel and the A-pillar coincides with the center line on the ground, the distance between the body and the left center line is approximately 60 centimeters. When the node of the right wiper coincides with the center line on the ground, the vehicle is already driving across the line. If not stopped or changed lanes in time, it may cause a safety accident. Additional information: 1. When the front of the car coincides with the lower edge of the front tire, the distance between the two vehicles is about 5 meters. When the front of the car coincides with the lower edge of the front bumper, the distance is about 3 meters. When the front of the car coincides with the upper edge of the front bumper, the distance is only about 1 meter. When the front of the car coincides with the lower edge of the front vehicle's license plate, the distance is only about 0.5 meters. 2. Similarly, the method for judging the front and rear distance is analogous. When sitting in the driver's seat, if the edge of the car's front just touches the lower edge of the front vehicle's tire, the distance between the two vehicles is about 5 meters. Following this logic, when the edge of the car's front coincides with the lower edge of the front vehicle's bumper, the distance is about 3 meters; when it coincides with the lower edge of the front vehicle's license plate, the distance is about 0.5 meters.
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How to master the reversing direction of A2?

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