Our car has a complete (or comprehensive) insurance when we bought it brand new in 2013. For any damages the insurance pays in full although we have to shoulder the 2,000 pesos (about $40) initial charge. We later learned that a 5-year old car is not qualified for that benefit - only 60% will be shouldered by the insurance and the owner will pay for the 40% of the damages. Thinking well, we decided to stop getting the comprehensive insurance. It is not worth it.