Is it necessary to purchase car body insurance?

[SanAnthony]

It is not mandatory to buy car body insurance, only compulsory traffic insurance is required by law. Other motor vehicle insurances can be purchased as needed. Compulsory traffic insurance, officially known as Motor Vehicle Traffic Accident Liability Compulsory Insurance, is China's first mandatory insurance system implemented by national legislation. Here is additional information: Relevant regulations: The "Regulations on Compulsory Traffic Insurance for Motor Vehicle Accidents" stipulate that compulsory traffic insurance is a mandatory liability insurance where the insurance company compensates victims (excluding passengers of the insured vehicle and the insured person) for personal injury, death, or property damage caused by road traffic accidents within the liability limit.

[DelKylie]

I've been driving for over a decade, and honestly, comprehensive car insurance is absolutely worth buying, especially for someone like me who drives in the city every day. The road conditions in big cities are complex, with traffic jams and crowded roads being the norm. It's easy to accidentally hit the car in front or get rear-ended. A minor accident like repairing a headlight or bumper can cost at least a few thousand yuan, and a major repair could run into tens of thousands. Although insurance costs about a thousand yuan a year, it's much more cost-effective than paying for repairs out of pocket. Moreover, comprehensive car insurance also covers losses from natural disasters, such as water damage to the wiring during heavy rain, which can be extremely expensive to fix. If you frequently drive on highways or long distances, the risks are even higher. Of course, consider the age and use of your vehicle—I definitely recommend it for new cars, while for older cars with low resale value, you might want to weigh the options. In short, I never skip comprehensive car insurance when renewing my policy—it's all about peace of mind and safety.

[DeEmilia]

When I first bought the car, I also debated whether to save money by skipping the car body insurance, especially since my income as a young person wasn't generous, and monthly car loans plus living expenses were already high. But after a few minor collisions, I completely realized—repairing a door or repainting easily costs over a thousand, and insurance companies handle it much more smoothly. Looking back now, I'm glad I bought the car body insurance. Once, while parked on the roadside, my car got scratched, and the 4S shop took three days to fix it—I only had to pay a few hundred for the deductible. This investment can ease the pressure of sudden expenses, especially for new drivers prone to mishaps. If the budget is really tight, you can opt for a higher deductible to lower the premium while improving driving habits to reduce risks. The key is to calculate your personal financial tolerance—if you can't afford to pay out of pocket for damages, it could seriously disrupt your life. Before buying a car, it's best to consult experienced friends. Like me, through trial and error, you'll understand the wisdom of spending a little to avoid big troubles.

[DiBrooklyn]

I will definitely purchase comprehensive car insurance as I dislike taking risks. No one can predict various accidents while driving, such as natural disasters like hailstorms damaging the car roof, where a single repair could exceed a year's premium. Rather than regretting the cost afterward, it's better to plan ahead for peace of mind. Even if you drive cautiously, it's not uncommon for a parked car to be scratched by a passing tricycle. Spending a few hundred to a thousand for coverage can save you big in the long run. While it may seem unnecessary when the car is in good condition, it truly comes in handy when accidents happen. I recommend choosing a suitable plan based on your driving frequency and comparing insurance company terms carefully.