Madhuri Nicholls

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Thus, the insurance takes care of the damage that our vehicle may suffer in most cases. This makes comprehensive car insurance a more complete product. Although it seems obvious what comprehensive car insurance covers, it is not really so, as there are many exceptions. Beyond the exclusions of each particular coverage, the insurer will not be responsible for damages caused by the driver's or the occupants of the vehicle's willful misconduct, or if the insured drives drunk or drugged - in these cases the company would indemnify , where appropriate, to the injured party and would have repercussions against the driver. It is a type of car insurance that adds other types of coverage that protect the insured person to the guarantees that third-party insurance usually offers (civil liability, legal defense service, claim for damages, driver accidents or travel assistance). in case of almost any kind of eventuality. If we only think about the price of the premium, it is not advisable to take out comprehensive insurance against another type of car insurance.

This includes the extension of civil liability, personal injury and service to third parties, travel assistance, mechanical guarantee, glass breakage, damage to the car due to collision with animals, theft and fire, as well as total loss for various causes. The million dollar question is what should be covered by comprehensive car insurance, or better yet, what is covered by comprehensive insurance: a wide range of guarantees beyond the basic ones (civil liability, personal injury, legal defense, driver accidents). or travel assistance), taking responsibility for both the damages to third parties and their own. If you want more information, in this other post we explain the difference between third party insurance and all risk. The policy covers all the expenses covered by the coverage.

Obviously, the cost of the premiums is higher than that of car insurance with a franchise. In addition, the most complete products can offer numerous additional coverages: second medical opinion, compensation for hospitalization, natural phenomena, replacement vehicle, withdrawal of license, compensation for vehicle stoppage... Damage due to extreme external factors (war, acts of terrorism or any armed conflict, nuclear disasters, pollution) is also excluded; claims arising from participation in shows, races or performance of certain tasks; and the damage caused to non-fixed elements and accessories of the vehicle or to the transported objects, which will not be covered by the insurance in 99.99% of cases.

In the comprehensive car insurance with excess, the insured must cover part of the expenses derived from an accident or a repair -in the amount established in the insurance policy-, while the other part is covered by the policy of the insurance product. The part that covers the insured person is called a deductible. In general, it is a very complete insurance, although not all insurers offer the same guarantees in their all-risk policies. Nor if the car is driven by a person without a driving license, if the use of the vehicle is illegitimate, if it is in poor condition or does not comply with the regulations, or if the driver has committed a crime of omission of the duty of assistance. And we don't even talk about whether an insurance fraud attempt has been discovered.

• Lose weight. Being obese or overweight increases your risk.
• Exercise and get moving. An inactive lifestyle or spending too much time sitting raises your risk.
• Achieve a more balanced lifestyle slowly. Losing weight too quickly increases your risk of gallstones.

dramatic monologue, a poem written in the form of a speech of an individual character; it compresses into a single vivid scene a narrative sense of the speaker's history and psychological insight into his character.