What kind of insurance do you need if you're involved in a self-accident?

While there are accidents that you can blame on another party, there are times when you just make a mistake, leaving your car damaged and in need of repair. That’s why insurance is a must, but what exactly do you get? 

We won’t withhold the answer until the end of this article. Put simply, you need a comprehensive car insurance policy, but here are some of the things that you need to know about making a claim and the comprehensive policy that you need. 

Own damage includes, but is not limited to: 

• Damage while driving - Colliding with another car or obstacle 
• Damage by fire - Due to self-ignition or an external explosion 
• Theft - Fair market value can be reclaimed 
• Vandalism - Criminal damage or theft of declared parts on the vehicle 

However, it is important to note that there are certain scenarios that won’t be classified under own-damage, and therefore will not be covered by your insurance policy, unless you have the specific add-on. 

• Acts of nature - damage that comes from natural disasters will not be covered unless an ‘Acts of God’ or ‘Acts of Nature’ add-on is availed 
• Stolen car accessories - Unless otherwise declared by the insured party 

The good thing about comprehensive insurance is that it covers most of what you need with just one policy plus a few add-ons for extra peace of mind. Getting a policy like this is infinitely better than the standard compulsive third-party liability (CPTL) that all cars must have when getting registered at the LTO. 

Getting a comprehensive insurance policy will take a lot of the guesswork out of the equation. You get a lot of coverage and even more if you avail of more packages. It’s a rather fool-proof way of covering your precious automobile with a layer of protection that you’ll be glad to have if you ever get into an accident. You're also able to cover your own damages, as well as the damages of a third party.