: it is the compulsory insurance that is required by law that all vehicles must have. It only offers coverage to other vehicles and third-party property as well as personal injury or death to persons including passengers. Note that the vehicle itself is not insured against own damage suffered in an accident or other causes of loss such as fire and theft.

Other coverages with which they are usually sold are Road Assistance, and Mechanical Assistance.

Minimum Mandatory Limits (includes legal defense Expenses):

• Motorcycles: RD$50,000 for Damage to Property of Others, RD$50,000 Injury or Death to a Person, RD$100,000 Injury or Death to Two or More Persons
• Light Motor Vehicles, Pickup Trucks, Jeeps, Jeepetas, Vannettes: RD$100,000 for Damage to Property of Others, RD$100,000 Injury or Death to a Person, RD$200,000 Injury or Death to Two or More Persons
• Self-Propelled Heavy Machinery: RD$250,000 for Damage to Property of Others, RD$250,000 Injury or Death to a Person, RD$500,000 Injury or Death to Two or More Persons
• Buses and Trucks: RD$300,000 for Damage to Property of Others, RD$300,000 Injury or Death to a Person, RD$600,000 Injury or Death to Two or More Persons

also known as “Full Coverage” is the policy that, in addition to covering third parties, also covers the damages suffered by the insured vehicle with a deductible equivalent to 1% of the insured value of the vehicle.

Coverage protection is afforded against certain specific hazards for both total loss of the insured vehicle as well as for repairs or partial loss.

The covered perils are:

• Crash, collision and/or rollover
• Fire and/or Theft
• Theft of Accessories and External Parts
• Accidental glass breakage
• Transport on another vehicle.

The Comprehensive Risks Extension extend to cover the following additional perils:

• Mutiny, Strikes, Malicious Damage and Vandalism
• Falling Objects
• Cyclone, Hail, Earthquake and Flood

Coverage for third parties is usually RD$500,000 Damage to Property of Other/ RD$500,000 injury or death to one Person / RD$1,000,000 injury or death two or more persons in the same event, although it can be increased to fit the client needs.

Other benefits are Road Assistance, Mechanical Assistance, and rental of a replacement vehicle for a range between 10-20 days.

it is known by this name to the insurance that, in addition to covering third parties, the coverage that is given to the insured vehicle is not limited to the detailed occurrences for full or comprehensive insurance types, but that any other type of accidental loss for any cause not specifically excluded could also be covered ,in addition they have greater coverage for external accessories, do not apply depreciation in total losses and can even be purchased without application of deductible.

Coverage for third parties is usually RD$1.000,000 Damage to Property of Others / RD$1,000,000 injury or death to one Person /RD$2,000,000 injury or death to two or more persons in the same event, although it can be increased to fit client’s needs.Coverage for third parties is usually RD$1.000,000 Damage to Property of Others / RD$1,000,000 injury or death to one Person /RD$2,000,000 injury or death to two or more persons in the same event, although it can be increased to fit client’s needs.

Other benefits are Road Assistance, Tow and Mechanical Assistance and rental of a replacement vehicle for a range of 10-20 days according to the product.