Should Private Cars Purchase Seat Insurance?
2 Answers
It is necessary to purchase seat insurance for private cars, as it primarily safeguards passengers in the vehicle from personal injury or death caused by accidents during travel, for which the insurance company is required to compensate according to the contract terms. Seat insurance refers to coverage for unexpected accidents involving the insured vehicle (not intentional acts by the driver, but unforeseen and irresistible incidents that result in injuries or deaths of passengers and property damage). In such cases, the insurance company will cover medical expenses or compensation for the accident. Seat insurance coverage: For insured motor vehicles involved in accidents that cause personal injury or death to passengers, the insurer will provide compensation according to the "Road Traffic Accident Handling Measures" and the insurance contract for the financial liability that the insured is legally responsible for. Three types of insurance that private cars can purchase: Compulsory Traffic Accident Liability Insurance for Motor Vehicles: Commonly known as compulsory insurance, this is a mandatory purchase for all vehicles. Without it, the car cannot be driven on the road. Due to its relatively low cost, the compensation provided is also limited. Relying solely on compulsory insurance in the event of a major accident may leave the car owner responsible for significant expenses. Third-Party Liability Insurance for Motor Vehicles: Although not compulsory, third-party liability insurance is essential for private cars because it offers high compensation limits, depending on the premium paid. Motor Vehicle Damage Insurance: While not mandatory, motor vehicle damage insurance is also a must for private cars. It now includes coverage for glass breakage and spontaneous combustion, among other damages. Thus, if a car's glass breaks, the vehicle catches fire, or is accidentally totaled, the motor vehicle damage insurance can be used to claim compensation.
As an ordinary car owner who has been driving a private car for over ten years, I think seat insurance is still worth buying. Let me first explain why: this thing is to protect the passengers in the car, such as covering medical expenses in case of an accident, especially since traffic congestion is severe in our city, and minor collisions are common. If someone gets hurt, it could be a big problem. My family often transports children and the elderly, and the cost isn’t high—usually ranging from two hundred to five hundred a year, which breaks down to just a few dozen yuan a month, cheaper than a meal. Looking at the market, many car insurance packages now include it, and buying it together is more cost-effective. In terms of risk, who can predict accidents? A friend of mine didn’t buy it once and had to pay over five thousand out of pocket after an accident, which was heartbreaking. I suggest checking quotes and considering how often you carry passengers: if you rarely have passengers, opt for lower coverage; if you frequently travel with family, go for full coverage. Insurance is all about spending a little to prevent big losses—peace of mind while driving is important.
