In essence, buying a comprehensive insurance in the Philippines gives you a sense of security that no matter what happens on the road, your investment will not go to waste. Without a comprehensive insurance, you’re basically just gambling with fate. In the event of an accident, you will shoulder all damages associated to your vehicle. You will pay for repairs, replacements, medical bills, legal services, and other fees that you’ll end up spending way more than what you would’ve saved from not buying a comprehensive policy.