What to Do If Your Parked Car Is Damaged and the Third Party Cannot Be Found?

[DiAbel]

After the auto insurance reform in 2020, the 'Cannot Find Third Party' special clause was included in the coverage of the auto damage insurance, eliminating the need for car owners to purchase it as an additional coverage. This means that as long as you have auto damage insurance, even if your vehicle is damaged and the responsible party cannot be found, the insurance company will fully compensate the owner for the loss, and the owner does not need to bear any costs. The 'Cannot Find Third Party' special insurance is an additional coverage under auto damage insurance. It covers the deductible amount that the insured would have to bear when the loss of the insured vehicle should have been compensated by a third party, but the third party cannot be found. The insurer is responsible for the compensation. In the following two scenarios, if the 'Cannot Find Third Party' special insurance is purchased, full compensation can be obtained when the accident occurs: 1. The vehicle is parked out of sight, and upon returning, it is found damaged by someone, but the perpetrator cannot be found. 2. While driving, the vehicle is scratched or hit by a third-party vehicle, causing damage, but the other party flees the scene.