How Much Seat Insurance Should You Buy for Auto Insurance in 2021?
3 Answers
Generally, the coverage amount for auto seat insurance ranges between 10,000 to 50,000 RMB. Auto seat insurance can typically be divided into two parts: ① Driver seat insurance; ② Passenger insurance. Seat Insurance and Passenger Insurance: These two types of insurance are usually purchased together, but they can also be bought separately. Passenger insurance is mainly based on the number of seats in the vehicle, so when selecting passenger seat insurance, the quantity should correspond to your vehicle's seating capacity. Seat insurance refers to coverage where, in the event of a traffic accident (excluding intentional human actions) resulting in injuries or fatalities to the driver or passengers inside the vehicle, the insurance company will provide a certain amount of compensation for accident-related expenses or medical costs. Related to the Number of Seats: Generally, the coverage level is closely tied to the premium for seat insurance—the higher the coverage level, the greater the compensation amount. It also has a certain relationship with the number of seats in the vehicle, resulting in different seat insurance options.
As a new driver who just got my license, I'm particularly concerned about driving safety. For the 2021 car insurance's seat coverage, I think it's appropriate to start with at least 30,000 per seat. In case of an accident, if family or friends in the car get injured, medical expenses can pile up quickly—it's not worth skimping on this. For example, I often have three or four people in my car, and if I only buy 10,000 coverage, it wouldn't even cover medical costs in a serious accident. Considering the value of the car, which is an ordinary one worth over 100,000, the premium isn't high but the coverage should be adequate. Also, it's important to regularly check the car's condition and not just rely on insurance; driving carefully can reduce accidents. If the budget allows, increasing the coverage to over 50,000 is even safer, especially for those who frequently drive long distances.
I've been driving for over a decade and often transport my entire family. For the 2021 seat insurance, I recommend coverage between 40,000 to 50,000 per seat – not too high nor too low, just right. After all, with more family members in the car, medical expenses after an accident can add up. Too low coverage is insufficient, while too high is wasteful. Considering economic strength, if your monthly income exceeds 10,000, the premium is quite affordable. Additionally, factor in regional elements: urban congested areas pose lower risks, while rural areas might require higher coverage. Don't just focus on seat insurance; pair it with vehicle damage insurance and compulsory traffic insurance for comprehensive protection. Also, adjust driving habits, like avoiding sudden acceleration to reduce accident risks, making insurance merely a backup option.
