Auto Policy Coverage

I just received my (Taiwuniya) policy but do not know what it covers (its in Arabic). How do I know what is covered? Can I get a copy of the policy in English? (In the US, this is not an option for reasons of litigation)

On another note, I bought my policy through a third party. I asked to upgrade to comprehensive afterwards, but was advised that I would have to pay a second amount in full. Then wait for a refund of the initial payment to be refunded. Is this usual? It would seem logical to just charge the additional amount and revise the policy. How do I navigate this scenario?

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