···
Log in / Register

Is Full Coverage Insurance Mandatory for New Cars?

5 Answers
KayleeRose
07/29/2025, 06:04 PM

Full coverage insurance is not mandatory for new cars; the types of insurance to purchase can be decided based on your actual situation. Additional information: 1. For cars purchased with installment payments: During the installment period, commercial insurance must be purchased at the dealership every year, and full coverage insurance is also required. 2. If the car is purchased outright, some 4S stores may stipulate that the first year's commercial insurance must be purchased at the store; otherwise, the car will not be sold. If there are no such complicated regulations and consumers are free to choose, they can select insurance types based on their circumstances: (1) Car insurance includes compulsory traffic insurance and commercial insurance, with compulsory traffic insurance being mandatory by the state. (2) Commercial insurance includes many types, such as third-party liability insurance, vehicle damage insurance, etc. If your driving skills are very proficient and you have never had any scratches or dents in over a decade of driving, you may choose not to purchase vehicle damage insurance. If your driving skills are not very proficient and you often experience scratches, you might consider purchasing vehicle damage insurance for your car. If the security in your residential area is not very good, you could buy theft insurance for your car. If your area frequently experiences heavy rainstorms, you might consider purchasing water damage insurance for your car.

Was this review help?
20
2
Share
AshlynLee
08/15/2025, 06:06 PM

I've done quite a bit of research on buying insurance for new cars. New cars don't necessarily require full coverage insurance—the law only mandates compulsory traffic insurance, and driving without license plates is illegal. However, full coverage is part of commercial insurance, such as vehicle damage insurance and theft insurance, which are optional. Since a brand-new car has high value, minor scratches or theft could result in significant out-of-pocket expenses. Last year, when I bought a new car, the 4S dealership recommended full coverage for peace of mind, so I opted for a package that included windshield insurance. Premiums are based on the car's value, so they may be slightly higher for new cars, but they help avoid financial losses. If you have good driving habits and stable road conditions, you might consider saving money by only purchasing compulsory insurance and third-party liability coverage. However, for new drivers or high-risk vehicles, full coverage is more secure—trying to save small amounts could lead to bigger losses.

Was this review help?
5
0
Share
Expand All
SamuelAnn
10/17/2025, 03:29 AM

We just got a new car at home, and my wife and I had an argument over it. For new car insurance, comprehensive coverage isn't mandatory—only compulsory traffic insurance is required, but full coverage is an additional option. I think the new car is valuable, and having full coverage gives peace of mind; the premium isn't too high and can cover accident repair costs. My wife, however, wanted to save money and only get basic coverage. In the end, we compromised and got third-party liability plus vehicle damage insurance. The probability of an accident in the first year of a new car isn't high, but the potential loss is significant—repairs can be shockingly expensive. A friend of mine had a minor scrape without full coverage and ended up paying several thousand. It's advisable to choose based on your habits and budget, as the break-in period in the first few months is when accidents are most likely to happen.

Was this review help?
20
4
Share
Expand All
OHope
11/30/2025, 03:13 AM

New car buyers often panic easily, and insurance companies have many pitfalls. New cars don't require full coverage insurance, only compulsory traffic insurance is mandatory. All other insurances are commercial policies - it's your decision whether to spend that money. Once I had an accident with a new car without full coverage and had to pay the repair costs myself - it was heartbreaking. Now I obediently add full coverage for every car. New cars are more likely to be targeted or damaged by novice mistakes, full coverage provides safety net. Don't cut corners, it's more practical to ask experienced drivers for advice.

Was this review help?
11
0
Share
Expand All
VanEmersyn
01/20/2026, 09:48 PM

When I bought a car, the 4S store was pushing various insurance policies. They didn't say comprehensive insurance was mandatory, only emphasizing that compulsory traffic insurance is required by the state. However, since the insured value of a new car is high, I opted for a comprehensive insurance package, which includes additional coverage like standalone glass breakage insurance. Premiums are related to the car's age; surprisingly, the first-year premium for a new car is lower, making it more cost-effective. If you park in a secure residential area or drive cautiously, you can save money by skipping some coverages. But in big cities with chaotic traffic and higher risks, comprehensive insurance offers peace of mind to avoid significant losses in case of accidents—it's similar to buying extended warranties for home appliances.

Was this review help?
12
4
Share
Expand All
More Forum Discussions

do honda make an electric car

Yes, Honda is actively building its electric vehicle lineup. While it was a relative latecomer to the fully electric market in the US, its first widely available model, the 2024 Honda Prologue SUV, marks a significant step. The company is accelerating its plans, with a commitment to an all-electric future by 2040. The Prologue, developed through a partnership with General Motors, serves as a bridge to Honda's next generation of EVs built on its own dedicated architecture. The 2024 Honda Prologue is a midsize SUV with an EPA-estimated range of up to 296 miles on a full charge. It features a modern, spacious interior and is positioned to compete with models like the Hyundai Ioniq 5 and Ford Mustang Mach-E. Honda's strategy involves a two-pronged approach: initially leveraging GM's Ultium battery technology for models like the Prologue and the upcoming Acura ZDX, followed by the launch of vehicles on its own Honda e:Architecture starting in 2026. Looking ahead, Honda has announced ambitious plans for its "Honda 0 Series," a new line of electric vehicles set to launch globally in 2026. These models promise advanced technology, a lightweight design, and a focus on the "joy of driving." While Honda does not currently have the broad EV portfolio of some competitors, its methodical approach, massive manufacturing capability, and clear roadmap signal a serious and growing commitment to electric cars. Model Estimated EPA Range Key Features Expected Launch 2024 Honda Prologue Up to 296 miles Midsize SUV, built on GM's Ultium platform Available Now Honda Prologue Elite ~281 miles Top trim level with exclusive features Available Now Honda 0 Series Saloon TBA Concept previewing future EV sedan design 2026 Honda 0 Series Space-Hub TBA Concept focused on interior spaciousness 2026 Honda e:Ny1 (Europe) ~256 miles Compact SUV for European market Available Now Acura ZDX ~325 miles (est.) Honda's luxury brand counterpart to Prologue Late 2024
5
1
Share

do they repo cars on weekends

Yes, car repossession can and does happen on weekends. Repossession companies are known to operate outside of standard business hours, including evenings, Saturdays, and Sundays, to increase their chances of successfully locating and seizing a vehicle. The legal framework for repossession, governed by state laws and the terms of your loan agreement, typically allows for this, as long as the repossession agent does not breach the peace. This means they can legally take your car from a public street, a parking lot, or even your driveway on a weekend if they can do so without a confrontation. The key factor is not the day of the week but the specific actions of the repo agent. Most state laws do not prohibit weekend repossession. In fact, weekends are often prime time for recovery, as people are more likely to be at home and their vehicles are more easily located. The critical legal boundary is the "breach of peace." An agent cannot use physical force, threaten you, enter a locked garage, or confront you in a way that could lead to a disturbance. If they do, the repossession may be deemed illegal. If you are behind on payments, you should be aware that your car is vulnerable at any time. Proactive communication with your lender is your best defense. Many lenders are willing to work with you on a payment plan or a temporary deferment if you contact them before the account is sent to collections. Ignoring the problem will not make it go away and increases the likelihood of a surprise repossession. State Repossession Laws & Weekend Considerations Key Point California No statutory prohibition on weekend repossession; breach of peace is the primary restriction. Texas Repossession is permissible any day of the week as long as it is conducted peacefully. Florida Lenders and agents can repossess on weekends; common practice to avoid debtor evasion. New York Weekend repossession is legal; agents often work early mornings and weekends for higher success rates. Illinois Focus is on method of repossession, not time or day; no specific laws against weekend activity. Arizona Permissible; known for "non-intrusive" repossession techniques that are effective on weekends. Industry Practice Repo agencies often schedule teams for peak hours, including Friday and Saturday nights.
13
0
Share

do cars have trackers in them

Many cars do have tracking technology, but it's not a universal feature. The presence of a tracker depends on the vehicle's age, trim level, and the specific services the owner has subscribed to. Primarily, these are telematics systems like General Motors' OnStar, Ford's Telematics, or the connected services from brands like BMW, Mercedes-Benz, and Tesla. These systems use a combination of GPS and cellular technology to provide services like emergency crash response, stolen vehicle assistance, and remote features via a smartphone app. Aftermarket tracking devices, such as those from LoJack or smaller brands plugged into the OBD-II port, are also common, especially for fleet vehicles or those with high theft risk. For privacy-conscious individuals, disconnecting these services or locating and removing aftermarket devices are options, though it may void certain warranties or services. Tracker Type Common Examples Primary Purpose Typical Data Collected Can Owner Disable? Factory-Installed Telematics OnStar (GM), Ford Telematics, BMW ConnectedDrive Safety, Security, Convenience Location, Vehicle Health, Crash Data Yes, by canceling subscription Built-in Navigation Most modern infotainment systems Navigation Assistance Recent Destinations, Location Yes, via system settings Aftermarket GPS Tracker LoJack, Fleet Management Devices Theft Recovery, Fleet Tracking Real-time Location, Speed, Routes Yes, if physically located and removed Insurance "Snapshot" Device Progressive Snapshot, Allstate Drivewise Usage-Based Insurance Mileage, Hard Braking, Time of Day Yes, by unplugging OBD-II device Smartphone Integration Apple CarPlay, Android Auto App Functionality Location (if app permission granted) Yes, via phone app permissions It's important to distinguish between active tracking and data logging. A car's infotainment system may store location history for navigation, but it's not necessarily transmitting that data live without a connected service. The event data recorder (EDR) , often called the "black box," records technical data in the seconds before a crash but does not continuously track location. You can usually find out what tracking capabilities your car has by reviewing the owner's manual and privacy policy from the manufacturer.
19
1
Share

do dashcams drain car battery

Yes, a dashcam can drain your car battery, but it's primarily a concern when using its parking mode feature. If you only use the dashcam while driving, the drain is negligible as the engine's alternator keeps the battery charged. The real risk comes from continuous recording while the car is parked, which can potentially lead to a dead battery if left unchecked for extended periods. The key factor is how the dashcam is powered. The standard method is plugging into the 12V cigarette lighter socket , which typically turns off with the ignition, preventing battery drain. For parking mode, many users opt for a hardwiring kit . This kit connects the dashcam directly to the car's fuse box, allowing it to draw power even when the car is off. Most modern hardwiring kits include a crucial safety feature: a low-voltage cutoff . This device monitors your car battery's voltage and automatically shuts off the dashcam if the voltage drops to a preset level (commonly around 11.6V to 12.4V), preventing a dead battery. The actual drain depends on your car battery's health, the dashcam's power consumption, and the parking mode's sensitivity. A healthy battery can typically support a modern, efficient dashcam in parking mode for several days. Factor Low Drain Scenario High Drain Scenario Notes Dashcam Power Use ~0.25 amps in parking mode ~0.5 amps or more (older models) Check manufacturer specs for "parking mode current draw." Car Battery Health New, high-capacity battery (e.g., 70Ah) Older, weaker battery (e.g., 40Ah) Weak batteries deplete much faster. Parking Duration 24-48 hours 5+ days without driving Short daily drives may not fully recharge the battery. Cutoff Voltage Setting 12.2V (protects starting ability) 11.8V (higher risk of drain) A higher cutoff voltage provides more safety margin. External Temperature Moderate climate (70°F / 21°C) Extreme cold or heat Cold weather reduces battery capacity significantly. To avoid issues, invest in a quality hardwiring kit with a reliable voltage cutoff, ensure your car battery is in good condition, and be mindful of how long the car sits unused. If you don't need 24/7 surveillance, simply unplugging the dashcam when parked for long periods is the safest bet.
13
5
Share

does car insurance cover turo

Generally, your personal car insurance policy does not automatically cover you when you are renting a car through Turo. Turo operates as a peer-to-peer car-sharing platform, which is a fundamentally different risk model than traditional rental car companies. Most standard personal auto policies contain clauses that exclude liability and physical damage coverage when the vehicle is being used for commercial purposes, which is how many insurers view renting out your car. The coverage responsibility is split into two distinct roles: the guest (the person renting the car) and the host (the car owner). For the Guest (Renter): You cannot assume your existing policy will extend to a Turo rental. You must contact your insurance agent to get a definitive answer. Some insurers may offer an endorsement (a policy add-on) for peer-to-peer rentals, while others may explicitly deny coverage. Your credit card's rental car insurance benefit is also highly unlikely to apply to Turo, as these benefits are almost exclusively for agreements with licensed rental car agencies. For the Host (Owner): When you list your car on Turo, your personal insurance is typically inactive during a rental period. Turo provides hosts with a base level of liability insurance and offers various protection plans for physical damage to the vehicle, each with a different deductible you must pay in case of a claim. The safest approach is to purchase a protection plan directly through Turo. These plans clearly outline the level of coverage and your financial responsibility, eliminating uncertainty. Scenario Who is Driving? Likely Personal Insurance Coverage Turo's Provided Coverage (Varies by Plan) Damage to the Turo vehicle you rented Guest (Renter) Typically Excluded Covered, subject to your chosen plan's deductible Damage you cause to another car/property Guest (Renter) Varies; must verify with insurer Liability coverage included (state minimums) Damage to the host's car during a trip Host (Owner) Typically Excluded during trip Host's chosen protection plan applies Theft of the host's car during a trip Host (Owner) Typically Excluded during trip Host's chosen protection plan applies A guest causes an injury lawsuit Guest (Renter) Varies; must verify with insurer Liability coverage included (up to policy limit)
10
2
Share

does gasoline go bad in a car

Yes, gasoline does go bad. Modern gasoline begins to degrade and lose combustibility after just 30 days due to a process called oxidation. This is especially true for gasoline blends containing ethanol, like the E10 (10% ethanol) commonly sold in the U.S. The primary risks of using old gas are engine knocking, difficulty starting, and potential damage to your fuel system. The main culprit is oxidation, where gasoline components react with oxygen, forming gums and varnishes that can clog fuel injectors and carburetors. For ethanol-blended fuel, phase separation is a critical issue. Ethanol absorbs moisture from the air. Over time, this can cause the ethanol and water to separate from the gasoline, sinking to the bottom of your tank. This water-ethanol mixture can cause corrosion and is highly damaging to the engine. How long gas lasts depends on several factors: Factor Impact on Fuel Lifespan Key Consideration Fuel Type Ethanol-free gas can last 3-6 months. E10 gas lasts 1-3 months. Ethanol-free gas is more stable but often more expensive and less common. Storage Conditions Gas in a sealed, approved container lasts longer than in a car's tank. Heat, humidity, and temperature fluctuations accelerate degradation. Fuel Stabilizer Treated gas can remain usable for 1-2 years. A stabilizer like Sta-Bil is essential for seasonal equipment or stored vehicles. Age of Gas Fresh gas from high-turnover stations is always best. Avoid filling up at stations that may have old fuel in their underground tanks. If your car has been sitting for over six months, it's wise to be cautious. For a car that won't start, you may need to drain the old gas. If it runs roughly, adding a fuel system cleaner and diluting the old gas with a full tank of fresh, high-octane gasoline can often help clear out minor deposits.
4
0
Share
Cookie
Cookie Settings
© 2025 Servanan International Pte. Ltd.