Road accidents are the most common type of accident people may encounter. When driving on roads with a high risk of accidents, you need to protect yourself and your vehicle. The insurance you should apply for in this context is known as comprehensive car insurance (kasko). What is car insurance and what is its purpose? And we'll answer the questions: what benefits does it offer for your vehicle?

What is the purpose of car insurance?

In short, comprehensive car insurance is a type of insurance that protects your vehicle against damage and accidents you may encounter on the road. It's necessary to protect both the driver and the vehicle against potential accidents on highways. This helps prevent financial losses and technical malfunctions that may occur in the event of damage or an accident. What is car insurance for? It is possible to list them in more detail under the following four headings:

It covers damages resulting from accidents.

The main benefit of comprehensive car insurance is that it protects your vehicle in the event of a collision or impact. In situations such as impact, overturning, rolling, burning, explosion, and vehicle falls, comprehensive insurance kicks in. This includes benefits such as technical service support and coverage for material damages. Through comprehensive car insurance, you can receive the necessary support against damages and continue using your vehicle safely.

It covers expenses related to a person's health in case of an accident.

When a vehicle is involved in an accident, in addition to the damage the vehicle may sustain, health problems affecting the vehicle owner can also arise. In such cases, it is possible to add health services to comprehensive car insurance. Under this insurance policy, the vehicle owner's treatment costs will be covered.

It includes material losses and damages in cases of natural disasters and theft.

Car insurance covers adverse events not caused by human error. It's advisable to apply for car insurance for damages and losses resulting from natural disasters. Losses resulting from these damages are covered by car insurance.

It meets vehicle needs by offering additional services.

Comprehensive car insurance covers damages and losses to the vehicle owner, as well as addressing the vehicle's needs. Additional coverage services added to the policy, such as the provision of interior accessories, key loss, vehicle locksmith services, and lock system coverage, provide protection against problems arising from accidents and damages.

Benefits of car insurance As seen, it protects both the vehicle owner and the vehicle itself. This highlights the importance of comprehensive car insurance, which secures your vehicle. While mandatory traffic insurance protects the other party involved, comprehensive car insurance covers all damage and accident costs affecting you, from items in the vehicle to personal health expenses. So, what does comprehensive car insurance cover?

What does car insurance cover? Is car insurance necessary?

While compulsory traffic insurance is mandatory, obtaining comprehensive insurance (kasko) is optional. However, there are possible... against accidents, damage and adverse situations Comprehensive car insurance offers many advantages. For example, damages that may occur in the event of vehicle theft are covered by insurance. Similarly, by activating comprehensive insurance in adverse weather conditions (floods, hail, avalanches, etc.), the vehicle is ready to be driven on the road with the same comfort as on the first day. In short, having comprehensive car insurance acts as a shield against the risks the vehicle may face at the end of the day. Thus, both the driver and the vehicle are protected, making it possible to drive on the roads with peace of mind. The answer to the question "What does comprehensive insurance cover?" is... According to the General Terms and Conditions of Motor Vehicle Comprehensive Insurance, it is as follows:

1-  Collision of the vehicle with motorized or non-motorized vehicles that can be used on roads or railways,

2-  Accidents such as a collision with a stationary or moving object, or the vehicle colliding with such an object, overturning, falling, or rolling, which occur as a result of sudden and external impacts on the vehicle, whether it is in motion or stationary, and are beyond the control of the insured or the driver.,

3-  Damages that may be caused by malicious or mischievous acts of third parties, or by persons lacking legal capacity.,

4-  The vehicle caught fire,

5-  Theft or attempted theft of the vehicle or vehicle parts.

As you can see, by purchasing comprehensive car insurance, it's possible to protect your vehicle against all kinds of unforeseen negative events beyond your control. Additionally, extra coverage services can be added to the policy. However, you should also know what comprehensive insurance doesn't cover. For example, mechanical failures of the vehicle are not covered by comprehensive insurance. If you want to learn what factors to consider when purchasing comprehensive car insurance, you can check out our article titled "What to Consider When Choosing Comprehensive Car Insurance." So, where should you choose for comprehensive car insurance, which stands out with its advantages?

How to Get Car Insurance?

Vehicle insurance is provided through insurance companies and private insurance companies. When purchasing vehicle insurance, you should pay attention to the coverage clauses included in the policy, or contract document. It is essential to ask the insurance company about the terms and services included in the policy.

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