Do Private Cars Need to Purchase Passenger Accident Insurance?

[McAdrian]

Whether to purchase passenger accident insurance for private cars depends on one's actual situation. If the entire family has already purchased separate accident insurance, there is no need to buy it again. Driver and Passenger Insurance: Also known as "Driver Accident Insurance," it provides coverage for the driver and passengers in the vehicle. In the event of an accident, the insurance company is required to compensate for the personal safety of the driver and passengers. The coverage scope of driver and passenger insurance includes modes of transportation such as airplanes, trains, and ships that the insured takes. Methods of Purchasing Driver and Passenger Insurance: Driver and passenger insurance can be divided into two methods: "per person coverage" and "per vehicle coverage." Per person coverage, as the name suggests, means that the insured is covered regardless of whether they are driving or not, or which car they are driving. Per vehicle coverage means that anyone driving the insured vehicle is covered, and compensation is provided according to the coverage amount regardless of who is at fault in the accident.