Type of Car Insurance

One of the main factors that will be considered in the car accident is the damage that caused by the accidents and the cost that should be paid. Those factors can be serious problem that you have to face when you get involved to car accident. There are some costs that you have to pay. The damage of your own car and the other damages that caused by your car will influence how high the cost that you should pay. Therefore, you need a protection that can help you to cover the costs.

Car insurance is believed to be the best protection for you. It is designed to cover some costs that caused by the accidents. Some country will obligate every car’s owner to have the car insurance as the compulsory requirement. Even it is protected by the law. So you can get penalized when you don’t have any car insurances. However, there are many people who don’t have car insurance. Commonly, it caused by monthly premium/cost and the confusion of what type of car insurance that they have to choose. Commonly there are three type of car insurance that offered by the car insurance. Each type of car insurance has its characteristic and the way its cover the cost.

Third-Party Only

This is the most basic type of car insurance that required by the law. When you get involved to car accident and you are the one, who caused the damage of the accidents such as damage to other vehicles and injury, it would not fair that they have pay the cost by themselves. You need to be responsible to the cost caused by the accident. Third-party only car insurance will help you cover some costs of other damages or injury. Commonly, it will cover the cost for other cars’ damage and injury to other people. The Word “Only” in this type of car insurance will limit the cover for the others who are harmed by the accident. You own car damage and the injured that you get will not get covered by this type of car insurance

Third-Party, Fire and Theft

In this type of car insurance, you will get all the benefit of Third-Parity car insurance. However, there are some extra protections that you will get. If in third-party car insurance, your own car damage will not be counted in the coverage, in this type of insurance your own car damage will be covered by the insurance with two important notes. The damage of your own car should be caused by fire or theft. So when your car is burned, the insurance can cover the cost of the damage. When your car is stolen or broken because someone tries to steal your car, the insurance can help you cover the cost of the damage.

Comprehensive

This type of car insurance is the most complete one. It has all benefits that offered by other two types of car insurance. There are some extra benefits that offered by comprehensive car insurance.

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