What Does Full Coverage Car Insurance Include?
2 Answers
Full coverage car insurance includes: compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, passenger liability insurance, glass breakage insurance, full vehicle theft insurance, and several basic insurances, as well as additional insurances such as spontaneous combustion insurance, water damage insurance, scratch insurance, and deductible waiver insurance. Motor vehicle insurance, also known as car insurance (abbreviated as auto insurance), refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. The primary clients of this insurance are legal entities and individuals who own various types of motor vehicles. The main subjects of insurance are various types of cars, but it also includes specialized vehicles such as electric cars, battery-powered vehicles, and motorcycles.
Comprehensive insurance generally includes several key components: third-party liability insurance covers the losses when you hit someone else, such as vehicles or property; vehicle damage insurance covers accidents involving your own car, like collisions, reversing, or damage caused by natural disasters such as floods or hail; theft and robbery insurance protects against vehicle theft; passenger liability insurance compensates for medical expenses of the driver and passengers; there are also additional coverages like glass breakage insurance and spontaneous combustion insurance. When actually purchasing, I would recommend adding the no-deductible special clause, which can reduce the deductible amount. Comprehensive insurance provides extensive coverage, helping to avoid significant financial burdens from unexpected events, especially suitable for drivers like me who frequently travel long distances, ensuring a more secure driving experience. It is advisable to choose a reputable insurance company, compare policy terms thoroughly, and not just focus on low prices.
