Comprehensive Car Insurance Coverage - protects your vehicle from a wide range of causes, from motorist accidents and property damage to Acts of Nature and vandalism.
Own Damage/Theft - covers car damage, loss, and damage/loss of declared accessories and spare parts. In extreme cases like car robberies, fire, or explosions, your car insurance will handle all repair expenses.
Property Damage or Voluntary Third Party Liability (VTPL) - covers damages caused by your vehicle to other people’s properties in the event of an accident. Regardless of who is at fault, your insurance will cover all property damages.
Personal Accident or Auto PA - covers the insured individual and the unnamed passengers inside the vehicle in the event of injury, disablement, or death caused by a vehicular accident. Usually, it comes free with your insurance policy.
Acts of God - covers damages caused by extreme natural disasters such as earthquake and flood, and even animal contact. Acts of God is a popular coverage in the Philippines due to unpredictable weather conditions.
Liability Coverage - covers the cost of the damaged property or the medical bills of people injured in the accident up to a certain amount as specified in your policy.
Collision Coverage - takes care of the damages inflicted to your car. If your car received major dents from a freak collision accident, this type of car insurance coverage will cover the repair costs.
Personal Injury Coverage - takes care of the passengers involved in a road accident. You’ll need it to take care of you and your passenger/s’ medical expenses.