There are many things that fully comprehensive insurance can cover, as long as you have the right policy with the right company. While a regular compulsory third-party liability policy will help take care of the other party involved in an Incident, you need to make sure you are well covered and something more comprehensive to cover your own property and assets.
What type of repairs can be done, how the repairs are done, and which repairer can do the job are all questions that are part of the insurance policy that you take? Every insurance is different, but the most important thing is you get your worth out from what you are paying and make use of your policy. CMH Haval Pinetown offers different types of insurance with the best rates.
The basic role of car insurance
When you get involved in an accident the main role of insurance is to pay out for the damages that have been incurred. Regular wear and tear are not covered by any insurance policy unless you take a policy that is only meant for that. This also means that you will not be paid by the insurance agency for any of the above circumstances of wear and tear claim. You will only be paid out for what the policy states and a certain portion will be paid. You can even tow your vehicle to our workshop at CMH Haval Pinetown to be assessed and send through a claim to your insurance agent. Here are some of the things car insurance types will cover.
Body damage
Provided that you have an add on in your policy, collisions and accidents will be covered. If you’re involved in a vehicle accident with a third party or on the road, and your car has been badly damaged, then it should be possible for your policy to cover the repair costs. Also, the policy can also protect you against acts of vandalism.
If mechanical damage occurred due to the accident and not wear and tear, it’s also possible for the policy to assist your repair bills.
Provided your policy has the right cover in detail, it can cover the repair costs of your car if an act of nature damages it. Things like a flood, falling rocks, and falling fruit, may be covered by the insurance provided. There is a certain amount that is allocated for these.
Mechanical issues
If your car breaks down because of negligence, wear and tear, or normal use, the insurance policy might not cover it unless it comes with a provision for a mechanical breakdown, but even then, that will be subject to approval. If the mechanical repair is required because of an accident, then it is covered under your insurance policy.
The warranty comes to play in this part. The car manufacturer warrants your car for a set period. During that period, you will be able to make a claim in case there are any problems related to the manufacture of the automobile. Consumables like brake pads, fluids, and oils are generally not covered by a warranty or an insurance policy. You must cover that cost on your own.
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