Car insuranceColombia

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Colombia

84. Car insurance

Car insurance is financial protection for risks associated with owning or using a motor vehicle. Depending on the policy, it can cover liability for injury or damage caused to other people, as well as damage to, theft of or other losses involving the insured vehicle.

The minimum insurance required by law varies between countries. Drivers can often purchase additional cover beyond the compulsory minimum, such as collision, comprehensive, theft, fire or roadside-assistance protection.

Damaged car after a traffic collision.
Wikimedia.org • Charles Edward Miller • CC BY-SA

What does car insurance cover?

Coverage depends on the policy. Liability insurance generally covers injury or damage caused to other people, while optional forms of insurance may also cover damage to the insured vehicle, theft, fire or other risks.

Is car insurance compulsory?

Many countries require at least a minimum level of motor liability insurance before a vehicle may be used on public roads. The exact requirements and exemptions depend on national law.

What is the difference between liability and comprehensive insurance?

Liability insurance primarily covers damage or injury for which the insured driver is legally responsible toward others. Comprehensive or similar optional cover can also protect the insured vehicle against risks such as theft, fire, vandalism or accidental damage, depending on the policy.

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