What does car insurance cover?

 

Before explaining what car insurance covers, it is necessary to understand that this is a contract that protects us from the multiple risks involved in driving. Mexico is said to be fourth on the list of countries where there are the most car accidents. Therefore, due to overpopulation and the hectic life of our times, insurance is something that should no longer be left aside.

What auto insurance covers depends on the package you choose. First, to quote insurance, agents research the year, model, and make of the car. Although insurers offer a large number of packages, they are all based on three types of coverage: liability coverage, limited coverage and comprehensive coverage.

 

 

What is civil liability coverage in auto insurance?

 

 

This is the most basic and most economical coverage, although it is mandatory to have it in 15 states of the Republic, as well as on bridges and federal roads. The policy of said coverage covers the following aspects: damage to third parties and their property, extension of civil liability, legal assistance and medical expenses for occupants.

It should be noted that this policy does not cover the driver or his property. It only covers damage caused by it in the event that an accident has occurred. In general, agencies grant an insured sum of approximately $500,000 for property and $500,000 for third parties, without applying a deductible. The civil liability extension also covers damage to third parties and their property if the beneficiary causes an accident while driving a vehicle that is not his or her own . As in the section for damages to third parties and their property, the insured sum provided is $500,000, without deductible.

 

 

Through legal assistance it is possible to obtain advice from a lawyer and no insured sum is needed, since the agencies have specialists. With respect to medical expenses for occupants, this sum is $100,000 per person.

 

 

What is limited coverage in auto insurance?

 

 

Unlike civil liability coverage, this does protect the driver and takes care of their vehicle. In addition to covering the four aspects mentioned above, this option covers the total theft of the car, the insured sum of which is the commercial value plus a 10% deductible. If a car is stolen, the insured receives compensation or a car temporarily in some cases. This policy also covers damages caused as a result of theft. Likewise, with this coverage, the beneficiary has the right to road assistance, which ranges from changing tires or transmitting electric current to towing service.

 

 

What is comprehensive coverage in auto insurance?

 

 

Comprehensive coverage is the most complete policy to take care of a vehicle, protect the insured and those around them while driving. For this reason, this is the package that most customers purchase regularly.

 

 

What does auto insurance cover? Comprehensive coverage

 

 

This policy includes the following seven aspects: civil liability for property and people, extension of civil liability, legal advice, medical expenses for occupants, partial or total theft, glass and material damage.

 

 

What are material damages in car insurance?

 

 

These are breakdowns or losses caused by crashes, overturns, blows, theft of auto parts, etc. Glass (windows, mirrors, windshields, sunroof) is not included in the list of material damages because they are the most exposed and least resistant objects. Finally, it should be noted that no policy covers mechanical failures that occur due to the use of the automobile or natural wear and tear or depreciation.