This coverage covers the car’s cost of covered damages that are due to collision damages. Collision damages such as colliding with another vehicle, object, as well as the, overturn of the insured’s car. Furthermore, a parked insured car that was hit by another vehicle is also a type of collision damage. In addition, coverage for collision damages is subject to exclusions, and conditions of the policy.
This coverage provides for the car’s cost of covered damages that are due to comprehensive damages. In other words, damages other than collisions, such as fire, vandalism, theft, and damages that are due to falling objects.
Covers the cost of the insured’s medical payments that are due to injuries in a car accident. Furthermore, this coverage is also applicable to the passenger of the insured regardless of who’s at fault.
This covers the liability of the insured to property damages to others. For further illustration, if the insured is the one who’s at fault in an accident, the insurance company could cover the cost for the repair of the third party’s property damage.
This covers the liability of the insured for bodily injury to others. For further illustration, if the insured is the one who’s at fault in an accident, the insurance company could cover the cost for the treatment of the bodily injury of the third party person. Coverage would only be applicable if the injury is due to an accident with the insured.
Take note: Liability coverage is subject to exclusions, conditions, and limitations.
There is also some coverage that you can add to your policy. For example, roadside assistance, this helps the insured if their car breaks down and needs to tow. In addition, changing of battery, and changing of a flat tire. Ask your insurance agent for more information about the additional coverage.