Civil liability is the only coverage that all vehicles must have, obligatorily.
Travel assistance, driver’s insurance or legal defence are coverages that it is highly recommended to count on.
Hiring car insurance can be a headache for more than one person. It is not always easy to choose the right type of insurance. Third Party or Comprehensive Insurance? Covered by glass, fire and theft or only civil liability? Those who will be taking out a policy of this kind for the first time are probably unsure of what is included in each coverage, and most importantly, the costs that may result from not having adequate coverage.
Obligatory civil liability
Civil liability coverage is mandatory for all motor vehicles. Civil liability (CR) covers damage caused by the driver or the vehicle to third parties or objects, which can be quite expensive.
Driver’s insurance coverage is not mandatory, however, its importance makes it almost always included in most car insurance, from Third Party to All Risk. In the event of an accident, this coverage covers the personal damage suffered by the driver who caused the accident. These would include compensation for permanent physical damage, death compensation, medical and pharmaceutical expenses and other related expenses. These situations are only covered by the driver’s insurance coverage and not by CR, as many think. This only covers damages caused by the driver to third parties and not his own.
Road and travel assistance
Road assistance is another one of the coverages that cannot be missing in the car insurance. It is particularly useful in the event of a breakdown or accident in the middle of the road, but it also applies if the vehicle is parked and cannot be started, for example. Thus, if the driver is unable to undertake or continue his journey due to engine overheating or a puncture on a wheel, the insurance company will send a crane to the place where they are to assist both the vehicle and the passengers.
Vehicle assistance means repairing the vehicle on site, or collecting and transporting it to a workshop. As far as passengers are concerned, it usually covers the return home or arrival at their destination by alternative means of transport if the vehicle is unable to continue the journey. In addition, if necessary, the insurer would also be responsible for providing medical assistance, accommodation or maintenance for the insured person and the persons travelling with him/her.
Legal defence and claim for damages
This coverage is usually included in all car insurance, even the most basic. The fact is that in the event of an accident, the insured person has legal support both for claiming damages and for his own defence, without having to assume the high costs that they usually have. Thus, this coverage usually includes attorney’s fees, fees, court costs and notary fees, among others.
Although a priori it may not seem so, the coverage of moons can be very useful. A very important situation is that when driving with your vehicle, a small stone hits the front window and causes a small break. For safety reasons, even if the moon does not break, it is advisable to repair this damage, something that would be covered by insurance in case of having the glass coverage. The latter is responsible for repairing the damages of the windscreens, or the total loss thereof, provided that the cause has been instantaneous, violent and independent of the driver’s or insured’s will.
One of the fears every car owner may have is that it will be stolen, especially if it’s a new car. If this situation were to occur and the owner had not insured his car with theft cover, he would not get any compensation and would lose all the money invested in it. In addition, this cover also compensates the insured person in the event of damage to his or her vehicle caused by an attempted theft, such as in the event of a forced lock or broken window.