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What is the first thing you do when you crash your car? Panic? Freeze? Call your dad? Best friend? Insurance broker? The first two could be natural instinctive reactions that may occur for just a few minutes. Once the feeling wears off, you start to think. If you do call your dad or best friend, they will have to do what you should have done in the first place: call your car insurance to initiate the assistance process. In such a pressing situation, the first logical step is to contact your car insurance provider which would replace both your dad AND your best friend in offering the right support.
Insurances, in general, financially protect you against physical or legal (liability) damage. When it comes to vehicle, motor, or car insurance, you are similarly protected against bodily injury or litigations in case of an accident. All kinds of road vehicles ranging from motorcycles and cars to trucks and buses are covered under the umbrella of this insurance.
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The main reason you might purchase a car insurance is to provide yourself with protective coverage against a two-vehicle collision. However, other less common, yet equally important reasons include fire, theft, and single-vehicle accidents. The latter occur when a vehicle hits a stationary object, an animal or a pedestrian. Recovery from any accident is made easier and quicker with the right car insurance.
Affordable car insurance
The first known motor insurance that was enforced on motorists and vehicle owners originated with the Road Traffic Act of 1930 in the United Kingdom. Germany followed in suit by establishing its own motor vehicle act in 1939. Before that time (1930), insurance was not compulsory, and victims and/or drivers had to pay exorbitant amounts, at times, for damages incurred by accidents. Any bodily harm or loss resulting from any accident was not compensated or reimbursed, and the financial burden fell solely on the victim or motorist. Nowadays, this scenario has dramatically changed, and car insurance has become mandatory almost everywhere.
Many countries require their motorists and vehicle owners to have some form of insurance against road accidents or destruction. In Saudi Arabia, purchasing a car is not possible without purchasing a car insurance. By law, you cannot buy a car without buying at least third-party insurance, a much cheaper option than a comprehensive insurance, which covers a wider range of damages. However, if you can afford it and want to feel even safer, then you can definitely purchase the comprehensive insurance.
Your right car insurance
All that has been previously mentioned in terms of costs should be enough to convince you to buy the right Saudi coverage for yourself and your vehicle. Yet, in case you are still not swayed, read on:
- First, it would pay for your medical bills.
Medical fees that are incurred from hospitalization due to a serious vehicle accident can be staggering, and you may not be able to handle the payment if you are not properly covered.
- Second, it would pay for the physical damage to your vehicle, the other party’s vehicle, or some other public or private property you collided in.
You, as a vehicle insurance policy holder, would not pay a single cent.
- Third, it would pay for the towing fees.
If your car is no longer roadworthy, you would need to tow it by calling a towing service and paying heftily for the hauling of your car to the repair shop in the event you are not covered.
- Last, but certainly not least it would pay for force majeure damages that are beyond your control.
These damages consist of fire, theft, or extreme weather conditions.
Of course, there are other reasons, personal, financial, legal, or otherwise, that would urge you to buy the most suitable vehicle coverage and save yourself the hassle of dealing with all the above mentioned stresses.