Is it recommended to get insurance for the first year of a new car?
3 Answers
Generally, it is not necessary to purchase full coverage insurance for the first year of a new car. You can choose appropriate commercial insurance based on your needs. In the event of a traffic accident, commercial insurance can help resolve the issue. Commercial insurance for motor vehicles is divided into compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory, while commercial insurance can be selected based on the specific driving conditions of the vehicle. Commercial insurance for motor vehicles can be purchased up to three months in advance. It is essential to purchase car insurance ahead of time to avoid issues with insurance gaps. When purchasing compulsory traffic insurance for a motor vehicle, vehicle and vessel tax must also be paid simultaneously. Compulsory traffic insurance is mandatory for every vehicle. Compulsory traffic insurance is liability insurance for motor vehicle traffic accidents. Motor vehicles on the road must have this insurance; otherwise, it is considered a violation of regulations. Motor vehicles without compulsory traffic insurance will be impounded if found on the road, and the owner will be ordered to purchase the insurance immediately and fined double the amount of the compulsory traffic insurance premium before the vehicle is allowed to be released.
I definitely recommend buying insurance for the first year of a new car. When I got my first brand-new car, I was overjoyed, but the first year is particularly prone to accidents—like nervous new drivers scraping the car or frequent minor scratches in city traffic. Insurance is like adding a lock to that excitement, spending a little money for peace of mind. New cars have high value; even repairing a scratch can cost thousands, not to mention major incidents. A friend of mine skipped insurance and ended up paying over ten thousand out of pocket after backing into a wall—he regretted it deeply. Plus, compulsory traffic insurance is mandatory, and commercial insurance like vehicle damage or third-party liability is highly recommended to cover accident losses and compensation. Don’t skimp on the premium; the first year carries higher risks, but this investment safeguards against accidents, is totally worth it, and saves future headaches.
From a safety perspective, purchasing insurance for the first year of a new car must be included in the family plan. I have two children at home, and every time I drive them to and from school, the urban road conditions are complex, especially during rush hours, when the probability of accidents increases. The insurance premium for the first year of a new car is slightly higher, but it's money well spent for safety! In case of a scrape, collision, or theft, the insurance will immediately cover the costs, saving the family from dipping into savings for emergencies. I still remember a hailstorm incident where a neighbor's new car wasn't insured, and the repair cost for the dented roof exceeded 30,000 yuan—he regretted it deeply. Therefore, I advocate for comprehensive insurance, including vehicle damage and zero deductible coverage. Spending a few thousand yuan a year for peace of mind is worth more than anything, avoiding family financial losses and anxiety.
