Is it necessary to buy seat insurance?

2 Answers
MacJulia
07/23/25 11:47pm
Seat insurance is necessary to buy. Seat insurance refers to the situation where the insured vehicle is involved in an accident, causing injury or death to the driver or passengers in the vehicle. The insurance company will compensate according to the insured vehicle occupant liability insurance, which is an important type of insurance specifically designed to protect the safety of passengers and the driver in the vehicle. Insurance refers to a commercial insurance behavior where the policyholder pays the insurance premium to the insurer according to the contract agreement. The insurer assumes the responsibility to compensate for property losses caused by accidents specified in the contract, or to pay insurance benefits when the insured dies, becomes disabled, suffers from diseases, or meets the age, term, and other conditions stipulated in the contract.
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ValentinaDella
08/10/25 7:37pm
As a dad who often drives with family, I think seat insurance is quite necessary to purchase. The premium isn't expensive, just around a hundred yuan per year, mainly for peace of mind. Think about it—if an accident happens and passengers in the car get injured, the medical expenses could be very high. With seat insurance, these costs can be reimbursed, protecting the safety of family and friends. Nowadays, with so many cars on the road and frequent accidents, I pay extra attention to this when taking kids out. Insurance is a small investment to prevent unexpected incidents. Some friends try to save this small amount of money but end up regretting it when something happens. Buying it together with car insurance can even get you a discount, making it cost-effective. From a responsibility perspective, protecting others is the right thing to do, so I recommend it to car owners who often carry passengers.
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