Will the insurance pay if the car is not driven by the owner?

[LaNevaeh]

Compensation is available. This is because the purchased car insurance is not for the car owner, but for the car itself. Here are the situations where insurance companies will not pay: 1. Hit-and-run: Most insurance companies do not cover hit-and-run incidents involving the insured vehicle. Although this exclusion clause has sparked much debate in the insurance and legal fields, such provisions currently exist. 2. Drunk driving accidents: The vast majority of insurance companies in China refuse to cover losses caused by drunk driving, which naturally includes third-party liability insurance. 3. No collision insurance: Compensation for vehicle damage is conditional on having purchased collision insurance. Without this type of coverage, the owner must pay for their own vehicle repairs.