In this case, the insurance company does not settle the claim.
1. If the vehicle is hit by a fallen tree, falling stone or other unknown object, the insurance company will compensate, but it will not be compensated if it is artificially smashed. The smashing of the car is usually caused by a dispute between the owner and others, which is an intentional act and should be liable for compensation by the party responsible for the accident, so the insurance company does not pay.
2. Whether the vehicle was artificially smashed or unintentionally smashed, whether the body scratches were caused by man or scratched during driving, etc., the difference between the traces will be more obvious, easy to identify, and it is difficult for the owner to cheat the insurance in this way. However, it is not excluded that there is a certain moral hazard after the second damage to the vehicle caused by man-made destruction.
3. Motor vehicle insurance refers to a kind of commercial insurance that is liable for personal injury or property damage caused by natural disasters or accidents of motor vehicles. Its insurance customers are mainly legal entities and individuals with various motorized means of transportation; the subject of its insurance is mainly various types of cars, but it also includes special vehicles such as trams and battery cars and motorcycles.