3 cases when comprehensive insurance is necessary

After purchasing any means of transport, it is necessary to insure it with the mandatory civil liability insurance of drivers. However, today it is possible to choose a wider package of offers and purchase comprehensive insurance. In this article, we will present several cases when comprehensive insurance compensates for the damage caused.

1. In case of theft

Purchased comprehensive insurance online compensates for damage caused by third parties, ie in cases of vandalism and theft. For example, if another person breaks a mirror in the parking lot, Casco covers the costs. Also in case of theft of the car or its parts. The damage is covered even if the culprit fled the scene.

2. In case of natural disasters

Unlike compulsory vehicle insurance, casco compensates for damage caused by natural disasters. For example, if a tree branch fell during a storm and damaged the car, the car repair costs are compensated. In addition, a replacement vehicle is provided when the car is repaired.

3. In case of a traffic accident

In the event of a traffic accident, roadside assistance is provided. After purchasing comprehensive insurance, not only telephone consultations are provided, but also minor repairs on the road. Roadside technicians can:

• change the wheel;
• deliver fuel;
• start the engine;
• deliver a spare set of keys;
• open a locked door.

However, there are cases when an employee cannot fix a breakdown on the road and it is impossible to continue the journey by car. In this case, the vehicle is transported to the nearest service station. If the car repair takes more than 1 working day, a replacement car is provided for the specified period or a taxi service to the place of residence.

Obviously, comprehensive insurance services are extremely broad. Some of the services are valid not only in Lithuania, but also in foreign countries, so it is very convenient when planning a trip abroad. In this case, there is no need to worry about additional insurance that would be valid in foreign countries. Of course, the service offers of each insurance company are different, so it is important to delve into the terms of the contract. When choosing insurance, consider the year of manufacture of the vehicle, the age of the driver and other personally relevant risks.

Uzsak.