What Types of Vehicle Insurance Are There?

1 Answers
DakotaMarie
09/05/25 5:54am
Vehicle insurance mainly includes compulsory insurance, vehicle damage insurance, and third-party liability insurance. Additional coverages consist of standalone glass breakage, body scratches, passenger liability, waiver of deductible, theft coverage, spontaneous combustion loss insurance, new equipment insurance, vehicle downtime loss, no-fault liability insurance, and falling cargo insurance. Detailed explanations of the main coverages: 1. Compulsory Insurance (Traffic Accident Liability Compulsory Insurance): Mandated by law, this insurance must be purchased. It covers third-party losses regardless of fault or liability, with the insurer required to compensate the involved party up to a specified amount. 2. Vehicle Damage Insurance: Covers daily issues like scratches and collisions, allowing repair costs to be claimed from the insurer. In cases where the at-fault party cannot be identified, the insurer covers 70% of the repair costs based on the insured amount. 3. Third-Party Liability Insurance: Compensates for injuries, fatalities, or property damage to third parties, with payouts made by the insurer according to the stipulated amounts.
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