What are the "Three Major Coverages" and "Three Minor Coverages"?

Three Major Coverages:

1. Civil Liability (Third-Party Liability):
   Covers property damage to third parties.
2. Collision (Perils of Collision):
   Covers damage to your vehicle in "at-fault" or "partially at-fault" collision accidents.
   Requires paying a deductible.
   If you're "not at fault," you typically don't pay the deductible.
   Maximum claim is the vehicle's market value (depreciated value) at the time of the accident.
3. Comprehensive (Specified Perils):
   Covers vehicle damage from non-collision causes, primarily including: theft, vandalism, glass breakage, fire, flood, hail, etc.
   Also requires paying a deductible.

Three Minor Coverages (usually endorsements):

1. Towing:
   Specifically refers to the cost of towing your vehicle to a repair shop after an accident.
   This differs from roadside assistance for vehicle breakdowns (e.g., out of gas, dead battery).
2. Loss of Use (Rental Car):
   Coverage for a replacement vehicle while your car is being repaired after an accident.
   Usually has daily limits and maximum duration (e.g., not exceeding three months).
3. Accident Benefits:
   Small supplemental payments for personal injuries in a car accident, for example, providing $2,000, $10,000, or $15,000 based on the level of injury, disability, or death.