Will the insurance company compensate if the car is smashed?
2 Answers
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.
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.
