What Does Full Coverage Car Insurance Include?

[MacAliyah]

Full coverage car insurance includes compulsory traffic insurance and several basic coverages such as vehicle damage insurance, third-party liability insurance, passenger liability insurance, glass breakage insurance, and comprehensive theft insurance. It also includes additional coverages like spontaneous combustion insurance, water damage insurance, and scratch insurance, along with special no-deductible liability insurance. Here are some scenarios where full coverage insurance does not provide compensation: Car theft in paid parking lots: Generally, if a vehicle is stolen from a paid parking lot or commercial repair shop, the insurance company will not be responsible for compensation. This is because the insurance company considers that the parking lot is responsible for the safekeeping of the vehicle, and thus the insurance company is not liable. Driver's intentional accidents: According to insurance policy terms, intentional actions by the driver fall under the exclusion of liability. Therefore, even in any emergency situation, if the accident is caused by the driver's deliberate actions, the insurance company will not provide compensation.

[Camargo]

I remember when I first started driving, I was also confused about what comprehensive insurance actually covers. It's essentially a package deal: compulsory traffic insurance is a must, as it's mandated by the state—you can't hit the road without it. Third-party liability insurance is especially important, especially with so many luxury cars on the road these days. I recommend opting for 2 million in coverage for peace of mind. Vehicle damage insurance covers repairs to your own car, including things like rear-end collisions and scratches. I also recommend adding a no-deductible clause, so the insurance company covers everything. Additionally, passenger liability insurance is a good idea—it provides coverage if you're transporting friends and an accident occurs. Nowadays, some policies even include scratch and glass coverage, depending on your needs. When choosing insurance, make sure to read the terms carefully and don't just rely on what the salesperson tells you.

[LaRichard]

Recently, I bought my daughter her first car and did thorough research on car insurance. The basic comprehensive insurance package generally includes the following: first, the compulsory traffic insurance required by the state; then, third-party liability insurance to compensate others—I insisted on getting 3 million coverage for this. Vehicle damage insurance to protect your own car is a must, and nowadays, new cars come with deductible waiver, which is quite convenient. I specifically requested passenger liability insurance since we often take her grandmother out. Theft insurance is also necessary, as car thieves have become more sophisticated these days. As for additional coverage, it depends on your needs—for example, water damage insurance is quite practical, especially during summer when heavy rains cause frequent flooding.

[VanCarlos]

Just renewed my insurance a couple of days ago, and the insurance manager told me that the so-called comprehensive coverage standard package now includes these items: mandatory traffic insurance is unavoidable, third-party liability insurance is now recommended to start at 1.5 million, and vehicle damage insurance is a must, especially for new cars—spontaneous combustion insurance is now included under vehicle damage insurance. The key point is to remember to opt for the no-deductible coverage; otherwise, you'll have to pay out of pocket during claims. Passenger liability insurance covering both the driver and passengers is quite essential, and I specifically added medical expenses coverage for non-insured drugs. As for things like glass insurance or scratch insurance, they can be decided based on your car usage—if your neighborhood is secure, you might save some money.

[EleanorDella]

Having driven a taxi for twenty years, I know exactly what insurance is practical. A true comprehensive insurance must include these essentials: compulsory traffic insurance is the most basic, third-party liability insurance covers you if you hit someone else, and vehicle damage insurance protects your own car. The most crucial is adding a no-deductible insurance to avoid disputes during claims. I always opt for driver and passenger insurance since I carry passengers every day. Even experienced drivers should get spontaneous combustion insurance, as high summer temperatures can cause issues. After the recent insurance reforms, the separate wheel damage insurance is quite cost-effective. Remember not to be tricked into overlapping coverage—you can still save where possible.