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  • A kind of insurance pertaining to the ownership, maintenance, or use of motor vehicle.
  • It also refers to insurance on motorcycles, scooters, buses, road building equipment and trailers.
  • It is also the contract against passenger accidents and the third party liability for “Death and Bodily Injuries” arising from motor vehicle accident.

Comprehensive insurance – is a coverage that helps pay to replace or repair your vehicle if it’s stolen or damaged in an incident that’s not a collision. Comprehensive, sometimes called “other than collision” coverage, typically covers damage from fire, vandalism or falling objects (like a tree or hail). If you’re financing or leasing your car, your lender likely requires comprehensive coverage. If you own your vehicle outright, it’s an optional coverage on your car insurance policy.

Third-party insurance is essentially a form of liability insurance purchased by an insured (first-party) from an insurer (second party) for protection against the claims of another (third party). The first party is responsible for their damages or losses, regardless of the cause of those damages.

Personal Accident Acts of Nature