What are the main types of car insurance to purchase

1 Answers
MargaretLee
07/29/25 11:51pm
Car insurance is divided into: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory as stipulated by national laws. Commercial insurance is optional and can be purchased at the owner's discretion. Below is a partial introduction to car insurance: 1. Components: Car insurance generally includes basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. 2. Coverage: Vehicle damage insurance covers the loss of your own vehicle; third-party liability insurance covers damages to objects outside your own vehicle, such as people and public property you hit, or the other party's vehicle; passenger liability insurance covers personal and property losses within your own vehicle; theft insurance covers compensation when your vehicle is stolen; no-deductible coverage ensures 100% compensation in case of an accident. If no-deductible coverage is not purchased, you will bear 30% of the deductible for each accident.
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