Do you value your car? Well, insure your car. With a car comprehensive car insurance policy, you can be sure of coverage during things like injuries, accidents, car theft, fire, and other calamities. Unlike normal insurance, compressive car insurance covers more risks. Here is a breakdown regarding the risks of comprehensive car insurance covers.
Third-Party Liability
This policy protects you from liability arising from damage to third party persons as well as injuries caused by your insured vehicle. Most insurers cover damage to third party property from a minimum of KSh.10 million to KSh.30 million for private vehicles. But for bodily injuries, the coverage is unlimited. Typically, this liability is one of the most prevalent insurance claims arising from small or medium road accidents where the insured motorist has crashed into other vehicles causing bodily damages.
Passenger Liability
Passenger liability covers you against any damages caused to other car passengers. It might include lawsuits filed in the courts by affected passengers who're seeking compensation for financial, physical, mental, and psychological damages they've experienced because of the accident.
Remember, passenger liability doesn't cover other members of your household. So, if you're travelling with your family, the insurance policy won't extend to them. To avoid such inconveniences, consider investing in a personal accident cover for your loved ones to cater for the cost of medical expenses caused by a road accident.
Partial & Total Theft
You can count on comprehensive car insurance to cover your car against either partial or total theft. Partial theft is a situation where parts of your car are stolen. On the other hand, total theft is when your car is stolen. Remember, if parts such as car tires, lighting systems, or side mirrors are stolen, you will need to replace them. However, if you don't have the cash, things can be difficult. That's where you should invest in comprehensive car insurance.
Accidental Car Damage
Comprehensive car insurance covers accidental damages. From dents to non-traffic accidents, comprehensive car insurance can help you offset costs that result from accidental damage. Here, things like glass damages (including windscreens, windows, as well as light breakages) are covered by comprehensive life insurance. It also covers dents.
Special Perils
You can also get comprehensive car insurance that covers perils like thunder, flooding, and storms. Even more, perils like earthquakes as well as storms are covered by comprehensive car insurance.
Remember, flooding can lead to car accidents. Worse still, flooding can submerge your car and lead to total destruction. So, if you are living in an area that is prone to flooding, invest in a comprehensive car accident.
The Bottom-Line
Investing in comprehensive car insurance comes with a lot of benefits. From getting covered against theft (both partial and total) to special perils, a comprehensive car insurance cover has so much to offer. The above are common risks covered under this type of insurance.
This article is copyrighted by Travelers Today, the travel news leader
