Motor Insurance 101: Understanding Own Damage

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You’re probably already familiar with the concept of motor car insurance. After all, there are many ways in which you can find yourself in an inconvenient or even life-threatening situation as far as your car is concerned, and it’s always good to be prepared to handle such unfortunate circumstances.

Unsurprisingly, there are also different areas covered by motor car insurance policies. One of them is own damage which, in a nutshell, refers to damage to your car not caused by nature.


The basics of own damage

Say you’re driving, and you unfortunately end up in an accident — one that ends up causing damage to your car. Or picture a scenario in which your car was damaged or carnapped by a third party. Those fall under own damage.

Collision insurance, from the name itself, covers certain types of damage (not all) to your car, its accessories, and its spare parts while you’re using it. An accidental collision or overturning is covered, as well as collision or overturning as a result of sudden mechanical breakdown. Own damage car insurance also safeguards your car from fire, external explosion, or self-ignition.

Additionally, own damage covers damage or loss resulting from burglary, housebreaking, theft, and malicious acts. Malicious acts are defined as “intentional acts committed by a third party to cause damage to the insured vehicle.” These include scratches or other forms of vandalization. Take note, however, that if it was your wife, child, or any member of the household who did the act, the insurance won’t cover the loss.


How much can you get from own damage insurance?

Own damage car insurance coverage is based on your car’s fair market value. Additionally, it carries a deductible, which means a certain amount you must pay as your participation in the claim.

Buying a car involves more than just being able to drive — it’s important to know all the different ways you can protect your investment, your loved ones, and yourself. Talk to us and make sure that you have all the bases covered when it comes to motor insurance.

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