I recorded this video more than a year ago and the intention is to help you understand the types of auto insurance that exist. Which can actually be classified into three types:
1] Broad Coverage
2] Limited Coverage
3] Coverage of Civil Liability
At present, there are variations on these coverages. Regardless of the name of the insurer will undoubtedly fall into any of these three packages. There are ample covers that contemplate some extra coverage that are cataloged as ample Plus for example.
The packages are so called because they include a series of independent coverages in each of the options. There are usually seven coverages that includes the broader package. Of which the other packages are armed. These are usually:
1] Material Damage: Covers the damages of your car and generally has a deductible. of 5%
2] Total Theft: Covers the theft of the car and its deductible is generally 10%
3] Crystals: Cover each glass of the car separately with a deductible of 20% of the glass
4] Civil Liability People and Goods: Covers the damages that you may accidentally cause to people or things and does not have a deductible for individuals.
5] Civil Liability Extension: Protects you when driving any car. No deductible
6] Medical Costs to Occupants: To protect you from damages to physicists to the passengers of your car. That are your responsibility when driving. It is without deductible.
7] Legal Defense: It gives you a lawyer and a bail amount in case of an accident in which you could be detained. It has no deductible.
What in this video is general and what you are looking for is to help you understand a little better the structure of your auto insurance policy. It is not detailed. To know the details, I recommend you read the General Conditions of your insurance and check in the cover of your insurance the particular conditions in which you contracted it. It is important that you know the details of it and are familiar with the actual scope of your insurance. That will give you a certainty of what you should expect from him.