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I'm wondering…
The possible losses of traffic accidents and available coverage



  Protect Yourself, Your Family and Your Car Liability Coverage(Typically helps protect you for damages to others if you’re at fault in a covered accident)
Bodily Injury This coverage typically helps protect you, covered passengers and covered family members. It provides payment for reasonable and necessary medical treatment for bodily injury caused by a covered accident, regardless of who was at fault.
  • Compulsory Auto Insurance
  • Drivers' accident insurance
  • Liability Coverage to Passengers
It pays the people you injured for bodily injury, medical services, and death
  • Compulsory Auto Insurance
  • Third Party Liability Insurance(Bodily Injury)
  • Additional Coverage Options(drunk insurance, etc.)
Property Damage This coverage typically pays for damage to your car as a result of a covered accident with another car or a covered collision with most anything else (e.g. a tree). This coverage provides for the repair or replacement of your insured vehicle, up to the Actual Cash Value of the vehicle. Actual Cash Value takes into account depreciation of your car due to: age, use, and wear and tear.
  • Collision
  • Theft
  • Additional Coverage Options(Typhoon&earthquake added coverage; rental reimbursement added coverage; theft of auto parts added coverage)
It pays the people you injured for property damage and repair cost.
  • Third Party Liability Insurance(Property damage)
  • Additional Coverage Options(drunk insurance)

Q:How to plan your auto insurance to avoid excessive loss?
A:
Since the sum insured of the compulsory auto insurance is limited, and bodily injury to a third party is not included, most drivers would add collision insurance to their packages in case a car accident arises, they may shoulder heavy financial burden and sustain mental stress. You should consider 5 factors before purchasing your auto insurance.
  • Age:The chance of being stolen or damaged is higher for a car aged under three, and therefore a higher sum insured for property damage is necessary.
  • Where you park:Cars which are not parked in the garages sustain higher chances of being stolen or damaged, and therefore a relatively higher sum insured for property damage is deemed proper.
  • Drivers' driving skills:Inexperience drivers are more inclined to car accidents and thus medical/liability insurance is considered necessary.
  • Use:In accordance with the frequency (ex:daily or occasionally)you use your car, the distance (ex:long distance drive on high way or short distance commuting)you drive, a higher sum insured of property damage/ accident /Liability insurance could be considered.

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