What does auto insurance cover: 7 types of coverage you should know
There are 7 coverages that you should know about your auto insurance to know which is the best for you and which ones are best for you to hire when protecting your vehicle, read on! Because at Sebanda Insurance we have prepared this article, especially for you who are about to look for a new policy to start driving without worries.
1. Civil Liability Goods and People
It covers the damages that may be caused to another person as a result of a vehicle accident.
This coverage covers economic damage caused to a third party in their property (your vehicle, your house or any other material object) or in your person (bodily injury).
2. Catastrophic Civil Liability
The Catastrophic Civil Liability or Accidental Death coverage covers the liability you incur if you are involved in an accident that causes the death of a third party.
Normally, this coverage begins to apply when the insured sum covered in the Civil Liability Goods and People coverage is exceeded. That is, it operates in excess of said coverage.
3. Roadside assistance and travel
Roadside assistance coverage covers certain necessary support events when the insured vehicle suffers a mechanical failure or breaks down, such as:
- Towing shipment: the insurer will cover the costs of dragging the damaged or broken down vehicle to a nearby workshop. Normally they will take you to a workshop that already has an agreement with the insurer. However, they can also take you to the one the customer prefers (as long as it is within the distance range covered by the policy).
- Power pass: when the vehicle runs out of battery, the insurer may send an assistance vehicle to pass power to the vehicle.
- Change of tires: the insured may request support to change the punctured tire for the spare tire of the vehicle.
- Sending gasoline: the insurer may send an assistance vehicle with approximately 5 liters of gasoline. The cost of gasoline will be borne by the insured, but it should be enough for the vehicle to start and be transferred to the nearest gas station.
- Transfer to the workshop: the insured may request the insurer to transfer his vehicle to a workshop for inspection and repair when the vehicle does not start due to breakdown or mechanical failure.
Depending on the insurer, each year you will have a certain number of road or roadside assistance. Certain insurers offer them unlimited broad coverage.