Which Insurance is Best for Car

Hiring the best car insurance allows you to mitigate the consequences of the risks to which your car is exposed. Hiring the best car insurance provides security and peace of mind when facing any inconvenience in day-to-day activities. Car insurance has different services, which you should know to determine which one is best for you according to your needs and possibilities.

What should the best car insurance include?

There are a wide portfolio of recommended car insurance options to meet the needs of each client, highlighting the zero-kilometre car policy options, car insurance for women, traditional car insurance and family insurance.

In either case, there is a series of components that vehicle insurance must include to protect personal property, the safety of its occupants and damage to property or people that may be involved in a traffic accident. These elements include:

Civil liability for the vehicle, which covers cases of injuries to third parties. It also accepts responsibility when a death occurs during a traffic accident in which the insured car is involved. This coverage also includes damage to third party property.

Coverage for damages other than a collision or shock, compensates for damages that could occur due to theft. It also covers major contingencies such as an explosion or natural events, such as floods, hurricanes or earthquakes.

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Coverage in the case of traffic accidents, which covers damage to the insured vehicle in cases of collision with vehicles in circulation, fixed structures or overturning.

Medical coverage covers hospital and/or funeral expenses that may occur due to injuries to those involved in the accident, be it the person who subscribes to the policy, their relatives or any person traveling inside the damaged insured vehicle.

Travel assistance includes the towing of the vehicle, support in the event of losing the key or leaving it locked inside the car. It also includes fuel supply, battery support, tire change, etc.

In addition, the Compulsory Traffic Accident Insurance, SOAT, must be included, essential for all vehicles that circulate in Colombian territory, covering personal injuries and third parties involved in traffic accidents. The SOAT covers only medical care expenses. It is a mandatory insurance by law, which must always be present.

The best insurance is the one that offers the security guarantee that you can move around the national territory with the confidence that you are covered in the event of natural disasters and/or accidents. In addition, with the guarantee of protection and care for all vehicle occupants, with a rapid response and personalized assistance. 

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In the event of an accident and/or total or partial theft, it guarantees timely repairs, with first-rate personnel and original spare parts, always offering you a policy option tailored to your possibilities. If you are interested in a policy with these characteristics, you can find more information in our article on the best all-risk car insurance or contact a agent who will help you choose the option that best suits your needs.