What is Vehicle Damage?

1 Answers
SanElliott
07/30/25 1:20am
Vehicle damage refers to the vehicle damage insurance, which is a type of commercial auto insurance where the insurance company compensates within a reasonable range for the loss of the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. Vehicle damage insurance provides protection for the vehicle itself, especially when the vehicle encounters natural disasters and cannot be compensated, serving as a safeguard. Relevant information on vehicle damage assessment: Vehicle damage assessment is based on the principles of automobile construction, through scientific, systematic, and professional inspection, testing, and surveying methods. It involves a comprehensive analysis of the collision and accident scene, utilizing vehicle damage assessment data and repair data to scientifically and systematically estimate and price the collision repair. The damage assessment price provided by the insurance company represents the overall loss of the vehicle. However, the final compensation amount depends on the driver's liability in the accident and the types of insurance the vehicle has. If you hire an independent damage assessment company for a reassessment, additional costs will be incurred. Generally, the damage assessment by insurance companies needs to be completed at designated repair shops, but the final decision on which repair shop to use is up to the vehicle owner. Introduction to Vehicle Damage Insurance: Compensation Rules The insurer is responsible for compensating for the loss of the insured vehicle caused by the following reasons during the use of the insured vehicle by the insured or a qualified driver permitted by the insured: collision, overturning; fire, explosion; collapse of external objects, falling objects from the air, or parallel falling of the insured vehicle during operation; lightning, storm, tornado, heavy rain, flood, tsunami, ground collapse, ice collapse, cliff collapse, avalanche, hail, mudslide, landslide; natural disasters affecting the ferry carrying the insured vehicle (limited to cases where the 58 Auto driver is accompanying the vehicle). In the event of an insured accident, the insurer is responsible for compensating the reasonable expenses incurred by the insured or a qualified driver permitted by the insured for rescuing and protecting the insured vehicle. However, the maximum compensation amount for such expenses is limited to the insured amount.
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