If you have a car, your parents lent you theirs or somehow, you will end up driving a vehicle, you must keep in mind that yes or yes you will need insurance to protect it. If you think that it is unnecessary, the “spend” of money and that you will be more than sure because you are almost the cousin of Meteor, there is something that you are not considering: You live in a city and country where traffic accidents are a reality of everyday life and even if you are an incredible driver, you are not free to see yourself involved in some kind of accident, because thousands of vehicles circulate daily next to yours.
That is why there are vehicle insurance. Basically, they will help you prevent any possible loss and be prepared to deal with these types of situations. The truth is that, in that area, there is no better tool than vehicle insurance. And one of the main advantages they have is that, just as there are different types of drivers, from the best to the worst, the most aggressive, to the most distracted, there are also different policies with different levels of protection and ideal for all types of pockets.
The civil liability policy
One of the cheapest and most basic policies is that of Civil Liability. But what does it include and why is it so conveniently priced? You are told a civil liability policy because it covers the driver’s responsibility in case you suffer or cause an accident. If the accident in which you are involved damages any property, causes losses or even leaves you injured, the policy will cover the total damages caused because they correspond to the insured’s civil liability.
For example, if Pepito de Los Palotes has a civil liability insurance and due to a bad maneuver his car crashed into a garden of a house, damaging the property of others, the insurance will be activated covering all damages caused, all up to the amount indicated in the policy.
An accident that were not outside the car
This can be applied both with the affected third parties in an accident that were not outside the car, either on the street or in another vehicle, or with those that were inside the car. In this case, insurers have different ways of looking at it. Some offer a coverage amount for third parties and a different one for occupants. In any case, this coverage seeks to repair the damage caused by the accident, both physical and material. In addition, some insurance companies also usually include personal accidents as an additional for this coverage.
Something else you should consider is that, as with any policy, there are certain exclusions that you must take into account and all are specified in the terms and conditions of the contract. All insurers have similar points, but you better read the insurer document you will hire in detail.
Why is it the cheapest?
Something you should keep in mind is that this policy does not cover any type of damage caused to the car, whether due to an accident such as an accident or theft; that is, if you have this coverage exclusively, it will only ensure your civil liability as a driver, as the name of the insurance says.
That is why it is among the cheapest, because it does not include anything else. Some insurers even put this coverage in other packages, so that the client can acquire complete insurance, which covers both civil liability, such as car damage, total loss, assistance, among others.
So, if you are looking for insurance, do not blindly commit or hire something that you have not informed. You will be surprised to see, not only the price difference, but all the benefits that you can access and that will make the investment made even more worthwhile.