What are the mandatory insurances for cars?
2 Answers
Here is a detailed introduction to the mandatory insurances for cars: 1. Compulsory Traffic Accident Liability Insurance (CTALI): CTALI is China's first compulsory insurance system mandated by national law, with a unified national pricing standard. The purpose of CTALI is to ensure timely and effective treatment for victims of traffic accidents. It covers all motor vehicles. Even in cases of drunk driving or intentional collisions, CTALI provides compensation to protect victims, reflecting its public welfare nature. 2. Vehicle Damage Insurance: This insurance covers situations where the insured or an authorized driver causes damage to the insured vehicle in an accident, with the insurance company providing compensation within reasonable limits.
I remember when I first bought my car, I was also particularly torn about what insurance to get. The legally required compulsory traffic insurance is non-negotiable—it's like putting a basic protective shield on your car. But I learned a lesson: third-party liability insurance is also a must, and it's better to have higher coverage. If you accidentally hit someone, paying compensation will be easier. I also added no-deductible coverage, so I pay less out of pocket for minor repairs. Overall, these three are essential—new drivers shouldn’t overlook safety details. Saving a little money now could lead to big trouble later. Just check your insurance policy regularly for updates, and don’t wait until something happens to regret it. After all, when your car is on the road, risks are everywhere. Having basic protection gives you peace of mind.
