I REFER to the letter “Insurance cover smells like a scam” (The Star, Aug 16).
Allow me to put the whole business of motor insurance in its proper perspective. When you insure your car under a Private Car Comprehensive policy, you are insuring (1) your car against loss or damage as a result of accident, fire, theft and a host of other causes, and (2) against legal liability to a third party arising from the use of your car as required by the Road Traffic Act 1987.
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