{"id":510,"date":"2025-03-05T12:36:18","date_gmt":"2025-03-05T12:36:18","guid":{"rendered":"https:\/\/carrostars.comingsoon.site\/what-does-your-insurance-really-cover-for-body-damage\/"},"modified":"2025-09-29T09:10:08","modified_gmt":"2025-09-29T09:10:08","slug":"what-does-your-insurance-really-cover-for-body-damage","status":"publish","type":"post","link":"https:\/\/carrostars.be\/en\/what-does-your-insurance-really-cover-for-body-damage\/","title":{"rendered":"What Does your Insurance Really Cover for Body Damage?"},"content":{"rendered":"&#13;\n<p>An impact, a scratch, a parking lot bump&#8230; Body damage is common. But will you be properly reimbursed? It all depends on your insurance policy and the type of claim.<\/p>&#13;\n<h2>Third-Party or Comprehensive: What Changes Everything<\/h2>&#13;\n<ul>&#13;\n<li><strong>Assurance au tiers (responsabilit\u00e9 civile)<\/strong> : <strong>elle couvre uniquement les dommages caus\u00e9s \u00e0 un autre v\u00e9hicule<\/strong>. Si vous \u00eates responsable de l\u2019accident, <strong>les r\u00e9parations de votre propre carrosserie ne seront pas prises en charge<\/strong>.<\/li>&#13;\n<li><strong>Assurance omnium (ou tous risques)<\/strong> : elle couvre \u00e9galement <strong>les dommages \u00e0 votre propre v\u00e9hicule<\/strong>, m\u00eame en cas de tort. C\u2019est l\u2019option la plus compl\u00e8te.<\/li>&#13;\n<\/ul>&#13;\n<h2>Most Common Accidents<\/h2>&#13;\n<ul>&#13;\n<li><strong>Accident avec un autre v\u00e9hicule identifi\u00e9<\/strong> : couvert par votre assurance ou celle du tiers responsable.<\/li>&#13;\n<li><strong>Accrochage sur un parking sans t\u00e9moin<\/strong> : pris en charge uniquement si vous \u00eates en omnium.<\/li>&#13;\n<li><strong>Dommages dus \u00e0 la m\u00e9t\u00e9o (gr\u00eale, branches, inondations)<\/strong> : souvent inclus en mini-omnium ou omnium compl\u00e8te.<\/li>&#13;\n<li><strong>Actes de vandalisme ou tentative de vol<\/strong> : n\u00e9cessitent g\u00e9n\u00e9ralement une omnium compl\u00e8te.<\/li>&#13;\n<\/ul>&#13;\n<h2>Carrostars&#8217; Tip<\/h2>&#13;\n<p>Before incurring costs, <strong>ask for a clear quote<\/strong>. Our body shop experts also advise you on <strong>reimbursement terms<\/strong>, the <strong>deductible<\/strong>, and any potential impacts on your <strong>no-claims bonus<\/strong>.<\/p>&#13;\n<p>Contact your nearest body shop: we help you get clarity and make the right choices.<\/p>&#13;\n","protected":false},"excerpt":{"rendered":"<p>An impact, a scratch, a parking lot bump&#8230; Body damage is common. But will you be properly reimbursed? It all depends on your insurance policy and the type of claim.<\/p>\n","protected":false},"author":1,"featured_media":169,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"wds_primary_category":0,"footnotes":""},"categories":[1],"tags":[28,29,27,32,31,30],"class_list":["post-510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-categorise","tag-accident","tag-body-shop","tag-claim","tag-comprehensive","tag-insurance","tag-tips"],"acf":[],"_links":{"self":[{"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/posts\/510","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/comments?post=510"}],"version-history":[{"count":0,"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/posts\/510\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/media\/169"}],"wp:attachment":[{"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/media?parent=510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/categories?post=510"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/carrostars.be\/en\/wp-json\/wp\/v2\/tags?post=510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}