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Is Vehicle Damage Insurance Mandatory?

1 Answers

Floyd

07/29/25 8:39pm

Vehicle Damage Insurance falls under commercial insurance, and there is no legal requirement to purchase it. Auto insurance is divided into compulsory insurance and commercial insurance. Compulsory insurance is mandated by the state, while commercial insurance is optional based on personal preference. According to Article 2 of the 'Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles': Owners or managers of motor vehicles driven on roads within the territory of the People's Republic of China must purchase compulsory traffic accident liability insurance in accordance with the regulations. Below are the types of insurance required after purchasing a vehicle: 1. Compulsory Traffic Accident Liability Insurance (CTPL): This is a state-mandated insurance, and failure to purchase it may result in fines if caught by traffic police. The coverage is limited and primarily benefits third parties, not the policyholder's own vehicle. 2. Third-Party Liability Insurance: This covers losses due to bodily injury or death of third parties caused by the policyholder. It is essential for both personal and third-party protection. 3. Vehicle Damage Insurance: This compensates for losses to the policyholder's own vehicle due to natural disasters or accidents. It is recommended for new drivers. 4. No-Deductible Insurance: An add-on that transfers the policyholder's liability to the insurance company, reducing personal losses. If both Vehicle Damage Insurance and Third-Party Liability Insurance are purchased, it is advisable to also get No-Deductible Insurance.

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