What does comprehensive car insurance include?
1 Answers
Generally, comprehensive car insurance includes the following types of coverage: 1. Compulsory Traffic Insurance: A mandatory insurance type required by the state. Failure to purchase this insurance may result in the traffic management authorities impounding the vehicle and imposing a fine of twice the premium amount. 2. Third-Party Liability Insurance: Commercial third-party liability insurance covers compensation for bodily injury or direct property damage to persons other than those inside the insured vehicle caused by the policyholder's fault in an accident. 3. Vehicle Damage Insurance: This covers losses to the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. 4. Theft and Robbery Insurance: This compensates for the loss of the entire insured vehicle due to theft or robbery. 5. Passenger Liability Insurance: Injuries to passengers in the event of an accident are covered by the insurance company. 6. Spontaneous Combustion Insurance: This covers losses to the insured vehicle caused by spontaneous combustion due to faults in the electrical circuit, wiring, fuel supply system, or the cargo being transported. 7. No-Deductible Insurance: By purchasing this additional coverage, the policyholder can receive full compensation without any deductible. For example, if the vehicle is damaged or a third-party liability claim arises, the insurance company will cover the deductible amount that the policyholder would otherwise have to pay. 8. Glass Breakage Insurance: If the glass of the vehicle breaks or shatters while the vehicle is parked or in use, without any other damage to the vehicle, the insurance company will cover the glass repair or replacement costs.
