Is it necessary to purchase supplementary accidental insurance for vehicle occupants?
3 Answers
It is necessary to purchase supplementary accidental insurance for vehicle occupants. The reasons are as follows: 1. Provide a safeguard: Supplementary accidental injury insurance for vehicle occupants is an additional coverage to the vehicle occupant liability insurance, offering traffic accident protection for people in the vehicle. In the event of an accident, the insurance company compensates for the personal safety of the driver and passengers. 2. Low premium: The supplementary accidental injury insurance for drivers and passengers features low premiums and high coverage, typically with a coverage period of 1 year. The actual coverage amount is determined by the number of occupants and can be evenly distributed among passengers, significantly reducing the owner's liability for compensation.
As a driver with over a decade of experience, I think supplemental passenger accident insurance is quite necessary. Although car accidents aren't common, when they do happen, passenger injuries are frequent, and medical costs can be exorbitant—this insurance can cover a significant portion. Most standard auto insurance policies only cover people outside the vehicle, leaving passengers in your own car unprotected, meaning you'd have to pay out of pocket. The premium isn't expensive, just a few hundred yuan a year, easily covered by cutting back on small expenses. Especially for someone like me, who drives family members to and from work every day, having this insurance gives me much more peace of mind. Last year on a rainy day, I nearly rear-ended another car—luckily, it was just a minor jolt, but a friend twisted their back and spent 500 yuan on treatment, which the insurance fully reimbursed. I really wouldn't recommend skimping on this small expense—safety first, after all.
I'm a young driver with just two years of experience, and I love taking my friends for rides. I only later realized the importance of supplementary passenger accident insurance, which costs just over 200 yuan a year. Being young and impulsive, I sometimes drive a bit fast and am prone to minor accidents. If a friend gets hurt, it could be troublesome. Once, after picking up classmates for a gathering, I was lightly rear-ended, and a friend's knee was scraped, costing 800 yuan to treat. Luckily, I had the supplementary insurance to cover it. The monthly premium is just over 10 yuan, which is very affordable. Without insurance, I'd have to pay out of pocket in case of an accident, which would make me nervous and affect my driving. I recommend young car owners like us consider buying it—it's a small price for peace of mind, cheaper than treating someone to a meal.
