{"id":423,"date":"2019-06-10T09:13:13","date_gmt":"2019-06-10T09:13:13","guid":{"rendered":"https:\/\/www.covermatch.com\/guide\/?p=423"},"modified":"2019-06-10T09:21:47","modified_gmt":"2019-06-10T09:21:47","slug":"major-facets-of-car-insurance","status":"publish","type":"post","link":"https:\/\/www.covermatch.com\/guide\/major-facets-of-car-insurance\/","title":{"rendered":"Major facets of Car Insurance"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Buying your car, the first time gives you a sense of achievement. You should choose the best policy to cover your vehicle. You should go for a a policy which is specific for your vehicle, driving conditions, driver and third-party needs. <\/span><\/p>\n<h2><strong><span style=\"color: #333399;\">Check out these types of Car Insurance Coverages: <\/span><\/strong><\/h2>\n<h3><span style=\"color: #ff6600;\"><b>Liability Coverage:<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In UAE, minimum liability insurance should be purchased by owners as per the legal obligation. It is always better to choose an insurance premium higher than the minimum requirement to reduce your out of pocket expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If it is concluded that that accident took place because of your fault\/negligence losses covered are: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The repair\/replacement cost of the damaged property (or third-party)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical bills of the third party for hospitalization or treatment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Third-party injury, death or damage to the third party property.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You should choose liability insurance premium higher than the mandatory requirement to reduce your out of pocket expenses.<\/span><\/p>\n<h2><span style=\"color: #ff6600;\"><b>Collision Coverage<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you opt for the \u2018collision coverage\u2019 in the insurance plan, the insurance company will take up your car repair expenses after the accident.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In cases where the cost of repairs will exceed the current market value of the vehicle, the insurance company will pay the current market value of the car.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The collision cover should be opted for as per the age of your vehicle. If the insurance plan is for a brand new vehicle, ensure that the collision coverage is included.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If your vehicle has a loan, you should buy collision cover.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Old vehicles can have a low collision cover.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ff6600;\"><b>Personal Injury Coverage<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Apart from the mandatory liability insurance, you can include certain coverage to overcome various risk factors.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A Personal injury protection will cover all the accident related costs. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The medical bills of the driver and other passengers will be covered.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Not considering whose fault, the insurance company will pay the medical bills.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Better to buy personal injury coverage for the vehicle owner, driver and passengers so that you can make the most of your investment.<\/span><\/p>\n<h3><span style=\"color: #ff6600;\"><b>Uninsured Motorist Protection<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your vehicle is hit by another vehicle not covered by any insurance policy, and the third party&#8217;s insurance coverage is not sufficient enough to meet your needs.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You can include the additional rider like uninsured or underinsured protection to minimize your exposure.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You will get the additional or total amount to cover the damage or medical bills very easily.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ff6600;\"><b>Comprehensive Coverage<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A comprehensive insurance coverage will include all kinds of risk factors like vehicle, driver, passengers, third-party vehicle, third-party driver, third-party vehicle passengers and third-party property.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The insurance policy will also cover Weather damage, Floods, Fire &amp; theft.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Consult <a href=\"https:\/\/www.covermatch.com\/car-insurance\">Car Insurance agent in Dubai<\/a> for all your Insurance needs. Get a quote now\u00a0<a href=\"http:\/\/www.covermatch.com\/car\/\">http:\/\/www.covermatch.com\/car\/<\/a><a href=\"http:\/\/www.covermatch.com\/car\/\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-245\" src=\"https:\/\/www.covermatch.com\/guide\/wp-content\/uploads\/2019\/03\/insurance-dubai-uae.jpg\" alt=\"covermatch\" width=\"960\" height=\"421\" srcset=\"https:\/\/www.covermatch.com\/guide\/wp-content\/uploads\/2019\/03\/insurance-dubai-uae.jpg 960w, https:\/\/www.covermatch.com\/guide\/wp-content\/uploads\/2019\/03\/insurance-dubai-uae-300x132.jpg 300w, https:\/\/www.covermatch.com\/guide\/wp-content\/uploads\/2019\/03\/insurance-dubai-uae-768x337.jpg 768w, https:\/\/www.covermatch.com\/guide\/wp-content\/uploads\/2019\/03\/insurance-dubai-uae-360x158.jpg 360w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying your car, the first time gives you a sense of achievement. You should choose the best policy to cover your vehicle. You should go for a a policy which is specific for your vehicle, driving conditions, driver and third-party <a href=\"https:\/\/www.covermatch.com\/guide\/major-facets-of-car-insurance\/\" class=\"read-more\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":424,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[13,25,12,15],"tags":[],"_links":{"self":[{"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/posts\/423"}],"collection":[{"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/comments?post=423"}],"version-history":[{"count":3,"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/posts\/423\/revisions"}],"predecessor-version":[{"id":427,"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/posts\/423\/revisions\/427"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/media\/424"}],"wp:attachment":[{"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/media?parent=423"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/categories?post=423"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.covermatch.com\/guide\/wp-json\/wp\/v2\/tags?post=423"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}