Guarantees losses that are the legal responsibility of the Insured to third parties, which are directly caused by the insured motor vehicle.

Guarantees losses that guarantee the Insured's legal responsibility to passengers for death, bodily injury, treatment/medical costs, including losses and damage to property carried by passengers at the time of the accident while in a motor vehicle, which is directly insured due to the motor vehicle accident as a result of the risk guaranteed by the Policy, except for:

• Husband or wife, children, parents, and siblings of the Insured.
• People who are ordered by the Insured, work for the Insured, people with the knowledge or permission of the Insured.
• People who live with the Insured.
• Managers, shareholders, commissioners or employees, if the Insured is a company (Corporation).

Covers bodily injury or death and medical expenses for drivers in motor vehicles that are directly caused by motor vehicle accidents as a result of the risks covered by the Policy, as set out below:

A. Death or Permanent Disability

1. Death (100%).
2. Loss of all vision in both eyes forever (100%).
3. Loss of function of both hands or both feet or one hand and one foot forever (100%).
4. Loss of function of one hand or one foot, together with loss of all vision in one eye forever (100%).
5. Loss of function of one hand or one foot or loss of all vision in one eye forever (75%).

Note: Compensation per person (%) of the insured value.

B. Medical Expenses

Cost of treatment or medication for passenger bodily injury is a maximum of 10% of the insured value for the extension of the driver's personal accident insurance.

Guaranteeing damage to motor vehicles or insured interests directly caused by one or more of the following risks:

1. Riots
2. Strikes
3. Obstruction of Work
4. Criminal Acts
5. Brawl
6. Riots
7. People's Rising without the use of firearms
8. Revolution without the use of firearms
9. Prevention in relation to the risks in points a to h

Damage or loss of vehicle with a value of ≥ 75% of the market price.

The actual price of the vehicle is the sales value that can be obtained in the free market immediately before the loss or damage to the motor vehicle of the same make, type, model and year as stated in the policy.

The insurance value stated in the policy is less than the actual price of the motor vehicle.

The basis for compensation for a Total Loss claim is the actual price of the vehicle immediately before the loss or damage occurred with the same make, type, model and year, up to a maximum of the insured value.

The insured value is divided by the actual value at the time of the accident or loss, then multiplied by the amount of repairs.