What types of coverage are not included in Vehicle Damage Insurance?

[AlessandraAnn]

Vehicle Damage Insurance includes the following types of coverage: vehicle damage insurance, spontaneous combustion insurance, glass insurance, theft insurance, no-deductible insurance, engine water damage insurance, and third-party liability insurance for unidentified parties. The calculation formula for Vehicle Damage Insurance: Basic premium + new vehicle purchase price × rate. Vehicle owners can also opt for underinsurance, which reduces the premium but also lowers the coverage. The difference between Vehicle Damage Insurance and Third-Party Liability Insurance: Vehicle Damage Insurance primarily covers damage to the insured vehicle itself, while Third-Party Liability Insurance covers bodily injury or property damage caused to a third party by the insured's use of the insured vehicle. These two types of insurance are strictly distinct, but neither includes coverage for the driver themselves.