Will insurance cover undercarriage damage without on-site evidence?

1 Answers
StBarrett
07/29/25 12:42pm
Comprehensive coverage will provide compensation. Here are the relevant details: Single-party accident: If the undercarriage damage is caused by a single-party accident and you have purchased comprehensive coverage with zero deductible, the insurance company can provide corresponding compensation based on the damage assessment. If the undercarriage damage is caused by a two-party accident and you have purchased compulsory traffic insurance, comprehensive coverage, third-party liability insurance, zero deductible, and additional coverage such as glass or scratch insurance, the insurance company will compensate according to the damage assessment. Undercarriage scraping: Undercarriage scraping falls under the vehicle body damage insurance coverage. If this coverage is purchased, the insurance company will provide compensation. You should report the incident to your auto insurance provider, who will dispatch a specialist for inspection. Generally, claims are processed within 1 to 3 business days. With zero deductible coverage, the insurance company will not deduct any deductible from the original compensation amount, meaning full compensation will be provided.
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