I accidentally hit the wall while driving, and the door needs to be repaired. Can I apply for insurance?

You can apply for insurance, but after applying for insurance, it will cost a lot of money to repair the car. If you haven't been insured for several years, people below 500 yuan won't pay for it, because there will be no discount for the next year's premium. If it is the first year, you can also pay for it yourself.

Insurance is divided into two parts: report and claim. If the owner reports the case and doesn't go to the insurance company to lose money, that is, he doesn't pay the claim, the insurance company will have no claim record of the owner, and the premium of the owner for the next year will not be affected.

Motor vehicle insurance, that is, automobile insurance, refers to a commercial insurance that bears responsibility for personal injury or property loss caused by natural disasters or accidents. Motor vehicle insurance, that is, "auto insurance", is a means of transport insurance with the motor vehicle itself and the third party's liability as the insurance subject.

Historical origin

The earliest automobile insurance in the world appeared in the United States in 1898. American Traveler Insurance Company Limited 1898 insured Truman Martin in Buffalo, new york for the first time. Martin is very worried that his car will be hit by a horse. There are only more than 4,000 cars in the United States, but the number of horses has reached 20 million. Carriage is still the main means of transportation.

100 years later, there were 220 million cars in the United States, and the number of horses was reduced to 2 million. Car insurance, which was regarded as a novelty more than a century ago, has now become a common thing.

The above contents refer to Baidu Encyclopedia-Automobile Insurance.