What are the differences between driving insurance and driving accident insurance?
3 Answers
Below are the differences between driving insurance and driving accident insurance: Different nature: Driving insurance is the on-board liability insurance, which includes the driver's seat and passenger seats. In the event of an accident, the insurance company compensates for the personal safety of the driver and passengers. Driving accident insurance, as the name suggests, is accident insurance related to "driving" and "riding," mainly providing traffic accident protection for vehicle occupants. Different coverage: Driving insurance only covers accidental injuries suffered in traffic accidents, including death caused by the accident, physical disability caused by the accident, or reasonable medical expenses incurred during treatment at hospitals designated or recognized by the insurer. Driving accident insurance covers accidents that occur during temporary stops to maintain the vehicle's continued operation, including refueling, adding water, fault repairs, tire changes, or accidents during boarding and alighting.
As a frequent driver, I remember being confused about the difference between driver insurance and passenger insurance when I first learned about car insurance. Simply put, driver insurance only covers the driver. If you get injured in an accident while driving, it can reimburse your medical expenses. However, passenger insurance has a broader scope, covering all occupants in the car, including the driver and passengers. If your friends or family members get injured while riding in your car, it can also provide compensation. This is crucial because many people assume that buying insurance only for themselves is enough, but accidents don’t discriminate. For example, on a rainy day, if the car skids and passengers get sprained in a collision, without passenger insurance, you’d have to cover the costs yourself. In terms of price, driver insurance is cheaper, averaging a few hundred yuan per year, while passenger insurance costs a few dozen to a hundred yuan more, but the cost per head makes it more worthwhile. I believe it’s smart to choose based on your habits. For instance, if you mostly drive alone like me, using driver insurance saves money. But if you often drive with family, it’s wise to upgrade to passenger insurance. Safety should always come first—don’t skimp on small expenses and end up paying a big price.
From a family perspective, I particularly care about insurance coverage, as safety is the top priority when traveling with children. Driver-only insurance only covers the driver, offering single compensation. If an accident occurs and children or elderly passengers in the car are injured, this insurance is useless. In contrast, passenger insurance provides comprehensive protection for all occupants. Although the premium is slightly higher, the risk-sharing value is worth it. Take a real-life example: a friend was rear-ended while driving his family on a trip. He was unharmed, but his child suffered minor injuries. Fortunately, passenger insurance covered all medical expenses; otherwise, the costs would have come entirely out of savings. The premium difference isn’t significant—driver-only insurance may save you a few dozen yuan per year, but paying extra for passenger insurance offers greater peace of mind. I recommend consulting multiple insurers to compare policy details, ensuring no regrets in case of an accident. After all, prevention is better than regret.
