What are the car insurance items?

[DeWyatt]

Car insurance items include compulsory traffic insurance, third-party liability insurance, and vehicle damage insurance. The following is an introduction to comprehensive car insurance: Vehicle Damage Insurance: Vehicle damage insurance refers to the insurance vehicle suffering from natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, resulting in the loss of the insurance vehicle itself. The insurer compensates according to the provisions of the insurance contract. Third-Party Liability Insurance: Commercial third-party liability insurance refers to the insurance vehicle causing direct personal injury or property loss to others due to an accident for which the insurer is liable. The insurer compensates according to the provisions of the insurance contract. Glass Breakage Insurance: When the vehicle is parked or in use, some parts are not damaged, but only the glass is cracked or broken. The loss of the glass is compensated by the insurance company.

[MacAnnie]

When I first bought my car, I was completely confused about insurance options. Compulsory traffic accident liability insurance is legally mandatory and must be purchased to cover basic liabilities. The commercial insurance section offers plenty of optional coverage: Vehicle damage insurance protects your beloved car from bearing full repair costs after damage—especially recommended for new cars. Third-party liability insurance is absolutely crucial, as it covers compensation if you hit someone or damage property (opt for higher coverage limits for peace of mind). Passenger liability insurance safeguards you and your passengers by covering medical expenses in accidents. Theft coverage is worth considering in big cities or high-crime areas. Separate glass breakage insurance, an add-on, eases worries over minor scratches. Spontaneous combustion coverage suits aging vehicles or high-risk models. No-deductible coverage reduces out-of-pocket costs during claims—both economical and practical. Don’t just compare prices; weigh service quality and claim settlement speed, and consult multiple agents for insights.

[StJourney]

After starting a family, I pay more attention to insurance safety. Compulsory traffic insurance is a mandatory basic coverage, protecting against liabilities to third parties in accidents. There are various types of commercial insurance: I opt for higher coverage in third-party liability insurance, fearing inability to compensate in case of major accidents. Passenger liability insurance is essential for protecting family members during rides. Vehicle damage insurance ensures not spending much on repairs, especially recommended for new cars. Theft insurance prepares against car theft, particularly for vehicles parked outdoors long-term. Glass insurance covers separate glass damage, avoiding headaches from minor issues. Spontaneous combustion insurance reduces the risk of vehicle self-ignition, advisable for older cars. No-deductible insurance lowers out-of-pocket expenses, practical and worry-free. Don’t overlook service reviews when choosing; some additional insurances like waterlogging insurance are also practical in rainy regions—advised to consult experienced friends. Bundled purchases might be more cost-effective.

[MacEmma]

Having driven for many years, the insurance options are largely similar. Compulsory traffic insurance is the basic mandatory coverage. In commercial insurance, vehicle damage insurance is optional and may not be necessary if the car is in good condition. Third-party liability insurance is crucial—choose an appropriate coverage amount to handle unexpected compensation. Passenger liability insurance provides a safety net for drivers and passengers. Theft insurance can be selected as needed; it might be skipped in safe areas. Separate glass insurance is sometimes redundant. Spontaneous combustion insurance depends on the vehicle's aging level. No-deductible coverage can be added or skipped. When purchasing, I mainly focus on the claim terms to avoid missing details.

[AvaDella]

From the perspective of saving on insurance premiums, let's talk about insurance items. Compulsory traffic insurance has a fixed rate and must be purchased. For commercial insurance, choosing the basic amount of third-party liability insurance is sufficient to save money. Comprehensive insurance is more expensive for new cars, but can be skipped for old cars. Passenger liability insurance can be optional or skipped to reduce expenses. Theft insurance can be added if the risk is high. Glass insurance and spontaneous combustion insurance can usually be omitted. Adding the no-deductible insurance makes claims more cost-effective after paying extra. Compare quotes from multiple companies to find combined discounts; good driving records lead to bigger discounts, and don't be fooled by sales pitches.