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Is it necessary to buy passenger insurance for private cars?

1 Answers

SanAlivia

07/24/25 4:35pm

It is necessary to buy passenger insurance for private cars. Here are the relevant details: 1. Based on needs: Private car seat insurance, as a type of passenger protection insurance, should be purchased according to individual needs. Car seat insurance provides compensation for medical expenses or accident payments from the insurance company if the driver or passengers in the car are injured or killed; 2. Target buyers: Car seat insurance covers both passengers and the driver. The insurance can be purchased separately for passengers or the driver, or together for both. The premium for seat insurance is related to the coverage level—the higher the coverage, the larger the premium; 3. Regulations: The compensation scope, items, and standards for injuries or deaths of vehicle occupants are based on the provisions of the 'Road Traffic Accident Handling Measures,' but the maximum compensation per person cannot exceed the per-seat compensation limit. Specific costs include emergency rescue fees, medical expenses, and lost wages, among others.

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