Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including vandalism, fires, and rock slides on twisting mountain roads.
What is car insurance and how does it work?
Your deductible is the amount you owe for repairs if your car is damaged in an accident or another covered situation under collision or comprehensive coverage, such as a storm. After you pay your deductible, your auto insurance company will cover the rest.
Why do you need insurance on your car?
Having car insurance is essential because it covers your expenses in the event of vehicle damage or injuries to other drivers, passengers or pedestrians. All motorists must be insured against their liability to other people, as stipulated in the Road Traffic Act 1988.
Can you claim on your car insurance for engine failure?
In most cases, your insurance will cover the costs of minor damage to your engine as the result of an accident. Insurance isn’t designed to repair damage due to the normal wear and tear of your car. It won’t provide coverage for mechanical failures or damage caused due to lack of maintenance.