Get to know the Types of Car Insurance Coverage in detail!
We tell you about the types of car insurance coverage that exist in the market, which are better known as Basic, Limited, and Comprehensive.
Talking about insurance is very complex, but it is definitely something that is very useful for car owners, in addition to covering material damage, it also covers hospitalization expenses, compensation, damage to the nation, and even legal problems that may arise.
Remember that it is important that you know and know the types of coverage that auto insurance covers and the different situations that the damage will cover you, and according to the CONDUSEF Insurance Law, the types of Auto Insurance Coverage are:
Civil Liability Coverage: This plan is the one that all cars must have by law since it has the minimum that is Civil Liability, which will protect you in medical expenses to occupants or third parties who have been affected by the accident, as well as legal advice.
Limited Coverage Auto Insurance: Limited Coverage Auto Insurance entitles you to all those medical expenses, in any circumstance that may have occurred on board the car, both the people who were traveling in your car, as well as those who were in the vehicle with which the mishap rose. You will also be covered by legal assistance, for the repair of material damages that have been generated as a result of the incident, in some cases this plan has a crane to be able to move the car.
Wide Coverage Auto Insurance: Known for being the most complete plan that insurers offer to the market, with this coverage you will have services focused on maintaining the care of your assets, since it goes from minimum details such as the repair of your car, paying a marked deductible in the car insurance policy, (in some cases there is no payment for this), also like this, with assistance throughout your journey to your destination, because in case of any problem, it helps you, and finally one of the services that are most sought after, such as protection in case of theft or total loss of the car, in addition to eliminating the deductible, in many companies they provide a substitute car for this fact.
It may interest you: Car Lover Module, a special HDI Seguros coverage.
What insurers in Mexico offer the types of car coverage?
The main insurers in Mexico with which you can obtain multiple coverages are:
- Quality
- Sura
- Mapfre
- AXA
- ABA
- the Latin
- Zürich
- GNP
- Inbursa
- IHD
- The Eagle
- ANA Insurance
- Atlas Insurance
- AIG
- General Insurance
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- Potosi
What Services and Protections does the Insurance Policy contain?
And so that you understand the terms of each coverage, at Save Insurance we explain them to you:
Civil Responsibility for Property and Persons: Includes damages caused to a third party during a car accident, since it repairs both economic damages due to injuries and hospitalization, in addition to remedying material goods, such as damage to another car, houses, and any other object.
Catastrophic Civil Liability: Known as Catastrophic RC or Accidental Death, in it, the insurers take charge of covering all those responsibilities that we incur and involve, due to an accident that causes the death of a third party. So, this works as RC in excess, once the insured sum that is being protected is exceeded. lighting
