Is It Necessary to Purchase a Driving and Riding Safety Insurance?
2 Answers
If you frequently ride in others' cars besides driving your own, it would be better to purchase a driving and riding insurance. Introduction to Driving and Riding Insurance: Driving and riding insurance is an accidental insurance. Regardless of who is at fault in an accident or which vehicle is involved, as long as you have purchased the driving and riding insurance, you can receive compensation without affecting the car insurance payout. Therefore, driving and riding insurance actually expands the coverage and claim scope as a supplementary insurance to car insurance. Benefits of Driving and Riding Insurance: Driving and riding insurance follows the person, not the vehicle. The insured can receive coverage whether they are driving, riding in a car, or driving other vehicles. It also provides coverage when traveling by train, ship, or airplane. When the policyholder drives a private car, family members can be jointly insured to receive exclusive coverage.
As a veteran truck driver with ten years of long-haul experience, I firmly believe that passenger accident insurance is absolutely worth buying. Anything can happen on the road—sudden tire blowouts or getting hit by other vehicles. This insurance helps cover medical expenses and compensates passenger losses, preventing massive financial burdens. Last time I had to rush a colleague to the hospital, the policy reimbursed 80% of the costs. The premium is affordable, just a few hundred yuan per year—compared to potential accident expenses of thousands or even tens of thousands, it's a steal. Remember to thoroughly review policy terms to ensure broad coverage; don't cut corners only to regret it later. Especially if you frequently drive highways or have kids, this protection is essential—safety first. In short, an extra layer of security brings peace of mind behind the wheel.
