Will the insurance company assist if the car runs out of battery?
2 Answers
If a car runs out of battery due to improper operation while driving, making it unable to start, you can choose to call the insurance company. When purchasing car insurance, the insurance policy clearly stipulates that the insurance company will provide free roadside assistance services when the car breaks down. However, according to the contract, only three free roadside assistance services are provided per year. Reasons for a car battery running out of power include: 1. Failure to turn off in-car electrical equipment in time after parking, resulting in power drain; 2. Possible short circuits or leakage in the car's relays or electrical appliance power plugs; 3. Possible damage to the insulation of the battery's positive lead, leading to power leakage.
The battery in my car inexplicably died a while ago, and my first thought was whether the insurance company could help. However, when I called them, they directly stated that such a situation is not covered by car insurance. Car insurance is primarily designed to cover accidents like collisions, theft, or natural disasters. A dead battery is a normal wear-and-tear issue, similar to tire wear, and falls under routine maintenance. They suggested I call roadside assistance or ask a friend for a jump-start, and if all else fails, tow it to a repair shop. Since then, I've made it a habit to regularly check my battery's condition, especially in winter when it's prone to draining. I also keep jumper cables in the car to avoid last-minute panic and unnecessary expenses. A car battery typically lasts three to five years, so replacing it early ensures peace of mind—prevention is always better than dealing with a breakdown.
