What are the car insurance items?
3 Answers
Car insurance items include compulsory traffic insurance, third-party liability insurance, and vehicle damage insurance. Here is some extended information about comprehensive car insurance: 1. Vehicle Damage Insurance: Vehicle Damage Insurance refers to the insurance vehicle suffering losses due to natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, resulting in the insurance vehicle's own loss. The insurer compensates according to the provisions of the insurance contract. 2. Third-party Liability Insurance: Commercial Third-party Liability Insurance refers to the insurance vehicle causing personal injury or death or direct property loss to others due to the insurer's liability accident. The insurer compensates according to the provisions of the insurance contract. 3. Glass Breakage Insurance: When the vehicle is parked or in use, some parts are not damaged, but only the glass is broken or shattered. The loss of the glass is compensated by the insurance company.
Over the years of driving, I've experienced several accidents and deeply realized the importance of car insurance. Compulsory traffic insurance is mandatory, required by the state, covering basic compensation for third-party injuries or fatalities. For commercial insurance, vehicle damage insurance covers the cost of repairing your own car if it's damaged in a collision, such as scratches or rollovers; third-party liability insurance covers property or personal damage you cause to others, and it's advisable to opt for a higher coverage for peace of mind. Theft insurance is practical if your car is parked in unstable areas, offering protection against theft; passenger liability insurance safeguards the safety of passengers in your car, covering medical expenses in case of accidents. Among the additional insurances, the no-deductible insurance reduces out-of-pocket expenses during claims, glass insurance protects against breakage from gravel or branches, and waterlogging insurance is essential for areas with heavy rainfall to prevent engine flooding. When choosing insurance, consider your driving habits and regional risks, avoid opting for too low coverage to save small amounts, and regularly review policy terms to ensure comprehensive coverage.
As the primary driver in my family, I always prioritize household safety, with insurance being the fundamental safeguard. Compulsory traffic insurance covers basic third-party liabilities; commercial third-party liability insurance is recommended to be increased to over 500,000 yuan to avoid bankruptcy in case of hitting a luxury car or causing disability. Vehicle damage insurance ensures repairs after an accident, preventing minor incidents from costing too much; theft insurance is practical in areas with frequent car thefts; passenger liability insurance focuses on protecting family members, providing medical compensation in case of injuries. Additional insurances like non-deductible insurance reduce out-of-pocket expenses, glass insurance costs just a few dozen yuan to protect against unexpected breakage, and water submersion insurance is a must in flood-prone areas. I usually compare quotes from different insurance companies to find the best value, while emphasizing that safe driving habits can reduce claim risks and save on premiums to invest in family needs.
