14/11/2025
π What Is Own Damage (OD) Coverage in Car Insurance?
Own Damage (OD) Coverage is the part of your comprehensive car insurance that protects your own vehicle from accidental physical damage caused by external means.
In simpler terms: kapag nabangga, nadale, or nasira ang kotse mo dahil sa aksidenteβcovered ito.
π§ What Does OD Coverage Protect You From?
β Accidental collisions
β Whether ikaw o ibang driver ang may kasalanan, damage to your car is covered.
β Non-collision incidents caused by external impact
β Example: Nabagsakan ng puno, yero, signage, o anumang debris.
β As long as itβs a sudden, external, accidental causeβcovered.
β Fire or explosion
β Includes fire, external explosion, self-ignition, or lightning.
π« What OD Coverage Does NOT Cover
β Theft or carnapping β covered under a separate Theft Coverage
β Acts of Nature (flood, typhoon, earthquake) β covered under Acts of Nature add-on
β Damage to other peopleβs car or property β covered under Property Damage (PD)
β Injuries to third parties β covered under Bodily Injury (BI)
β Mechanical breakdown, wear & tear, or factory defects
π‘ Why Is OD Coverage Important?
Car repairs today are expensive, even for minor damage.
With OD coverage, you get:
π Protection from high repair costs
π Peace of mind after sudden accidents
π Financial security for you and your vehicle
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