It protects you against unexpected expenses connected with the repair of your vehicle when it is damaged or with the purchase of the other one. It is the voluntary car insurance depending on the owner of the vehicle. The compensation is paid in the following cases: when you are guilty for damaging your car, the guilty party is unknown, the damages are the results of the collision with the animals, flood, fire, theft, etc.Very often the insurance company can not be held responsible, for instance: if you damage your car while driving without documents (valid driving license), under the influence of alcohol, if you use the car to commit a crime, drive away without reasons from the place of the accident, if the keys and registration were inside your car stolen.
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