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Insurance 101
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Motor Car Insurance
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Under the law, a motor vehicle must be insured against injuries or death that it may cause to third parties or those people outside of the car and not related to the owner of the vehicle. But you can expand your insurance to cover the following:
Own damage – Protects you from losses arising from accidental collision, overturning, falling, fire and malicious acts of third party on your car. Theft – Protects you from carjackers who may steal your car or its contents. Excess Bodily Injury – This can supplement your CTPL insurance and will answer for liabilities beyond what the CTPL covers. Third Party Property Damage – This will cover damages to third party property arising from accident caused by your vehicle.
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