What is Own Damage Insurance?

As the name suggests, your own damage insurance covers the damage to your own vehicles. It is usually a part of comprehensive vehicle insurance policies, which also include third-party insurance component. It is designed to protect your insured vehicle from damages, minor or major, as well as theft. Buying it is essential as you cannot predict when your vehicle faces damage.  For instance, someone might throw a stone which accidentally breaks your car’s windshield, or a passerby causes unexpected scratches on your car. The example might sound funny or unreal, but any mishap like this can cause a hefty loss. It is where own damage insurance helps you deal with unforeseen circumstances.