Notes when buying auto body insurance

What is auto body insurance?

Car body insurance, also known as car physical damage insurance, is insurance for the exterior parts of the car such as: glass system, car lighting system, entire car body... and mechanical parts inside the car.

In case the vehicle is involved in an unexpected accident beyond the control of the vehicle owner causing material damage, depending on the extent, the vehicle owner will be compensated accordingly.

Buying auto insurance is the best way to help you feel more secure when driving on the road without worrying too much about costs when a traffic collision occurs.

When purchasing insurance, vehicle owners need to provide detailed information about the vehicle type, number of seats, year of manufacture, etc. This is to determine the difference in premiums between body insurance and comprehensive insurance.

Experts advise that vehicle owners should immediately buy hull insurance when the vehicle is new (has high value). This is the optimal way to help vehicle owners feel more secure when traveling on the road without worrying too much about costs due to collisions.

Users should consider the conditions, fees and benefits when participating in each type of hull insurance to make the most accurate decision.

When buying auto body insurance, you need to carefully consider the contract as well as your current financial situation and needs to choose the appropriate insurance package.

What is covered by auto body insurance?

When purchasing a car body insurance package, the buyer will be compensated for total theft, partial theft and partial loss.

After purchasing insurance, in case of collision or traffic accident, the insurance company will send someone to assess the actual damage of the vehicle to determine the extent of the damage as well as the exact cause. The assessment cost is fully paid by the insurance company.

Regarding damage to the car body, the insurance company will pay for the repair costs and fix the damage according to the regulations stated in the contract.

In addition, there will be some parts that are not covered, typically: fuel system, gearbox, engine block, front and rear axles, steering system, suspension system, radiator, oil tank.