Looking for insurances can always be a very hard task especially when it’s about a car and the insurance have a hundred different coverage options. They must all feel the same and important to you but at the same time your budget won’t allow. Well, don’t worry as we are here to guide you about different types of car insurances and how they can be useful for you. Just keep on reading to find out:
- Liability insurance
Liability insurance is the kind where you are responsible of your car. This is the kind of insurance which generally suggests that in case you meet an accident due to your own ignorance or fault then you will be paid a sum of money to fix the different damages. The kind of damage coverage which you have chosen will be provided to you when the time comes:
- Bodily injury liability insurance covers the part where you are responsible for the accident and the party in front need to be paid for their hospital bills and wages. Their medical expenses and pain and suffering will also be taken into account.
- Property damage liability insurance covers the part where the property of someone is damaged due to your car. This kind of insurance mainly covers the damage to the car but it can also include the fences, buildings and mailboxes kind of materials and goods.
- Uninsured motorist coverage
This is when the accident isn’t your fault and the opposing party is supposed to pay for the bills and the cost of the damage but does not hold any insurance to pay you off. In such cases you will be able to pay off your bills and mend the damages while the insurance company holds the other party to pay off the debt. Even though in this kind of car insurance Dubai you will have to buy different property damage and medical insurance yet it is still worth having something than nothing.
Other than that if you want to solely opt to mend the damages of your own car then you must look for vehicle coverage insurance as they will be able to share their detailed plan of collision and comprehensive coverage that can come in handy as most of the people are seen opting for it.