Who to Contact When the Undercarriage is Damaged by a Road Stone?
2 Answers
If the undercarriage is damaged by a stone on the road, you should file a claim with your insurance company. As long as you have purchased the relevant insurance, you can proceed with the claim. However, you must report the incident at the first scene. After the insurance company sends someone to assess the damage, the claim can be processed. 1. Vehicle Insurance: Also known as auto insurance or motor insurance, it refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Definition of Auto Insurance: Auto insurance, which includes cars, electric vehicles, battery-powered vehicles, motorcycles, tractors, and other motor vehicles, is widely implemented in China. Auto insurance can be specifically divided into commercial insurance and compulsory traffic insurance. Commercial insurance is further composed of main auto insurance and additional insurance.
I was driving when I suddenly hit a big rock on the road, and there was a loud cracking sound from the undercarriage—what terrible luck! When something like this happens, the first thing to do is contact the road management authorities, such as the municipal bureau or the highway company. They are responsible for clearing road obstacles, and if the rock wasn't removed in time, leading to vehicle damage, they are theoretically liable for repair costs. Take photos of the scene, document the exact location of the rock and the vehicle damage, and call the complaint hotline directly. While driving, stay alert and avoid sections with loose rocks. At night, when visibility is poor, slow down to prevent similar accidents, reduce repair costs and financial losses, and save yourself the hassle.
