What Items Are Included in Comprehensive Car Insurance?
2 Answers
Comprehensive car insurance includes compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, no-deductible coverage, and passenger liability insurance. Compulsory Traffic Insurance: This is a mandatory liability insurance where the insurance company compensates for personal injuries, fatalities, and property losses caused by the insured vehicle in a road traffic accident, within the liability limits. Third-Party Liability Insurance: This refers to accidents caused by a qualified driver permitted by the insured while using the insured vehicle, resulting in direct personal injuries, fatalities, or property losses to a third party. The insurer will compensate according to the relevant provisions in the insurance contract for the amount the insured is legally obligated to pay. Vehicle Damage Insurance: Vehicle damage insurance is a type of commercial car insurance where the insurer compensates for damages to the insured vehicle caused by an insured accident while the insured or their permitted driver is operating the vehicle, within reasonable limits. No-Deductible Coverage: This is an additional coverage to commercial insurance. As an add-on, no-deductible coverage requires the purchase of a 'primary insurance' as a prerequisite and cannot be purchased separately.
Comprehensive auto insurance covers quite a few items. After driving for so many years, I find its main advantage is all-around protection, including collision insurance, which covers repairs if you hit another car or object. Last year, I had a minor accident and relied on this for the claim. There's also comprehensive insurance, covering non-collision incidents like theft, fire, or natural disasters such as hail damaging the roof—these risks are quite common in cities. Liability insurance is essential too, covering property damage or bodily injury to others if you're at fault, saving you from out-of-pocket expenses. Additionally, medical payments or personal injury protection are included, sometimes useful for covering medical costs if passengers are injured. Uninsured/underinsured motorist coverage is also crucial, providing compensation if the other party lacks insurance or has insufficient coverage. I recommend checking for add-ons like roadside assistance or rental car reimbursement when buying insurance—these are especially handy for long trips. Opting for full coverage is about peace of mind, addressing various potential issues at once, making it a worthwhile investment, especially for high-value vehicles.
