A comprehensive auto insurance policy has the following coverages:
 
OWN DAMAGE COVERAGE
Covers your vehicle from damages due to accidents
 
THEFT
Covers your vehicle from carnapping. The standard parts and accessories included in your vehicle are also covered from losses due to theft. 
 
EXCESS THIRD PARTY LIABILITY - BODILY INJURY
Protects you from liabilities in case you are at fault and you are legally liable to pay medical expenses of other people. This is on top of the mandatory CTPL insurance
 
THIRD PARTY LIABILITY - PROPERTY DAMAGE
During accidents and you are at fault, this coverage protects you from liabilities in having other vehicles (or properties) of other people repaired
 
PASSENGER INSURANCE
The passengers of your insured vehicle also have coverage against unfortunate incidents. This covers accidental death and medical reimbursements due to accidents
 
ACTS OF NATURE (Optional)
To cover damages to your vehicle due to natural calamities like typhoon, flood, earthquake and volcanic eruptions, your vehicle should have Acts of Nature or Acts of God coverage.