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What Does Your Car Insurance Cover?

Depending on the chosen car insurance policy, the following services or benefits may be covered:

• Vehicle Repair Service –In case of vehicle breakdown or damage, the cost of repair of the policy holder’s vehicle or third parties vehicle may be reimbursed or paid directly by the insurance company to the garage.
• Roadside assistance –It means towing the car when needed, fixing the car tire, checking or charging the battery, running out of fuel service, assistance with lost keys etc.
• Natural Disaster Cover –As the name implies, cover would be provided for damages or injuries arising from events outside human control like flood, riots, strike, earthquakes etc.
• Agency Repair Service –It means repairing a vehicle's damages at the auto repair service of the agency where the vehicle was purchased.
  For example: If a car is Corolla, it would be repaired by Toyota's own workshop.
• Rent a Car Service –This service is provided for the duration of the car repair. It can either be paid directly for by the insurance company or reimbursed depending on the terms of the policy.
• Personal belongings cover –This covers damages to personal belongings in a car in the event of an accident.
• Third-Party Bodily Injury Cover –In case of an accident, bodily injury cover pays for the medical costs of the people who are injured (Excluding the policyholder).
• Emergency medical expenses -In case of an accidental injury caused to the driver or a third party, this cover pays for the ambulance, medical costs, and emergency treatment.
• Personal Accident benefit -A Personal accident cover will pay for the compensation in case of bodily injuries, death or any permanent disability resulting due to an accident for both drivers and passengers.
• Fire & Theft Cover -To obtain protection against damages relating to theft or fire, this cover is a must-have.
• Windscreen Damage Cover -Replacing the windscreen can be expensive and isn’t always included in your policy.
• Offroad Cover -This add-on benefit usually covers damages or losses incurred when a vehicle is driven offroad.
• Total loss cover -If the damage to your vehicle is irreparable, this benefit will compensate you for your entire vehicle depending on the fair market value.
• GCC cover -If you travel a lot with your vehicle, this is a very useful cover that offers protection against damages due to accidents all over GCC.
• Oman Cover -If you travel to Oman very often, then this a very useful cover to have to stay protected against damages to you or your vehicle in case of any accidents.