Vehicle damage insurance is an important type of motor vehicle insurance, which aims to provide protection for the loss of the insured vehicle due to accidents, natural disasters and other reasons. Here's what car damage insurance covers:
1.Collision and overturning coverage: If the insured vehicle is hit or overturned due to an accident or natural disaster (such as **, flood, etc.), resulting in damage to the vehicle, the insurance company will compensate based on the actual loss.
2.Fire, ** protection: The insured vehicle is damaged due to fire, ** and other reasons, and the insurance company will compensate according to the actual loss.
3.Falling and collapsing external objects: If the insured vehicle is damaged due to falling or collapsing external objects, the insurance company will compensate according to the actual loss.
4.Storm, Rainstorm, Flood Protection: The insurance company will compensate the insured vehicle based on the actual loss if the vehicle is damaged due to natural disasters such as storms, rainstorms, floods, etc.
5.Lightning strike, hail, tsunami, ** and other disaster protection: The insured vehicle will be compensated according to the actual loss if the insured vehicle is damaged due to lightning strike, hail, tsunami, ** and other disasters.
In addition, the car damage insurance also includes the following additional coverages:
1.Spontaneous combustion insurance: If the insured vehicle is damaged due to spontaneous combustion caused by its own electrical system failure, the insurance company will compensate according to the actual loss.
2.Separate Glass Breakage Insurance: If the windshield or window glass of the insured vehicle is broken separately due to an accident or natural disaster, the insurance company will compensate you based on the actual loss.
3.Body Scratch Loss Insurance: The insured vehicle has no obvious collision marks, but the paint on the body surface is scratched separately, and the insurance company will compensate according to the actual loss.
In summary, car damage insurance and its add-ons provide comprehensive coverage for the insured vehicle, ensuring that the owner can be compensated accordingly in the event of an accident.