tanong ko lang mga ka spies? what types of car insurance should i get? i'm about to buy my first car, a kia sportage, yung surplus. yung dealer will take care of the lto registration, insurance, etc. but i'm not so familiar with the insurance, and am planning to increase the coverage but i don't know for what type. like for example, i heard that most car owners do not get the 'own damage' insurance coz it's quite expensive, but what about the other types of insurance? and when are the applicable? thanks.
