Will the insurance company compensate if the car is smashed?

[Coleman]

Vehicle being smashed is covered by the insurance company. According to relevant regulations: During the insurance period, if the insured or the permitted driver causes direct loss to the insured motor vehicle while using it, and it is not within the scope of the insurer's exemption from liability, the insurer shall be responsible for compensation in accordance with the terms of the insurance contract. Scope of coverage: Vehicle being smashed falls under collision, which is within the scope of insurance claims, and the insurance company should compensate. Vehicle damage insurance: It is a type of commercial auto insurance. It stipulates that when the insured or the permitted driver causes an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, the insurance company shall compensate within a reasonable range.

[Rodger]

I once experienced my car being vandalized. At that time, my insurance policy included the vehicle damage coverage. After verification, the insurance company provided compensation. The key is to report to the police and contact the insurance company within 24 hours, while taking photos as evidence. If the policy doesn't include vehicle damage coverage, having only compulsory traffic insurance is insufficient as it only covers third-party damages. It's advisable to choose appropriate insurance combinations when purchasing car insurance, such as comprehensive coverage that includes vehicle damage insurance. Always park in secure areas to minimize risks. In case of similar incidents, stay calm and follow the claims process step by step. Don't delay too long as it might affect the validity of evidence. Remember to review the insurance policy details to exclude liabilities like intentional damage, which increases the success rate of compensation.

[Ryder]

Having handled numerous auto insurance claims cases, if you have purchased auto damage insurance, the insurance company will generally compensate for the damage caused by the vehicle being smashed, provided it was not an intentional act and there is on-site evidence. First, file a police report to obtain a receipt, then report the claim within 48 hours with photos to ensure the scope of damage is clear. Relevant details include the type of insurance chosen: auto damage insurance covers accidental object impacts, while comprehensive insurance offers more extensive coverage. Avoid delaying the process for too long, as this can increase the difficulty of the claim. Additionally, parking in designated spots reduces risks, and regularly checking your policy coverage helps prevent similar incidents more economically. The key to a smooth overall process lies in timely response and professional cooperation.

[LeAlice]

Whether the insurance company compensates for a smashed vehicle mainly depends on your coverage. The key is having auto damage insurance, which covers such accidental damage. Immediately take photos, report to both the insurance company and traffic police, and follow the official procedures without delay. Also, check if any policy exclusions apply to ensure it's not your fault. For daily parking, choose safer spots to prevent vandalism and avoid hassles. The claims process is straightforward—just follow the steps.