What car insurance must be purchased?

[DiEmiliano]

Mandatory car insurance to purchase is compulsory traffic insurance. Below are relevant introductions about car insurance: 1. Compulsory Traffic Insurance: It is a national mandatory car insurance that provides coverage for the other party's property and personal safety. 2. Non-Deductible Special Clause Insurance: The most important aspect of this car insurance lies in its absolute deductible rate. 3. Vehicle Damage Insurance: Vehicle damage insurance mainly protects the car. If the car is involved in an accident or suffers damage due to natural disasters, these losses can be compensated by the insurance company through vehicle damage insurance. 4. Third-Party Liability Insurance: This insurance primarily covers the personal injuries, deaths, and property losses of third parties in traffic accidents. To supplement the coverage limit of compulsory traffic insurance, a comprehensive third-party liability insurance is needed.

[VonAlexandra]

When it comes to auto insurance, the most essential one to purchase is compulsory traffic insurance, which is a legal requirement. Without it, you can't even hit the road, let alone pass the annual inspection. As an experienced driver with 20 years behind the wheel, I've seen all kinds of accidents. Compulsory insurance covers basic losses for the other party, providing minimum protection. Additionally, adding third-party liability insurance is highly practical—opt for a higher coverage amount to avoid emptying your wallet in case you accidentally hit a luxury car or a pedestrian. Passenger liability insurance is also worth considering, especially for long-distance road trips where family safety is paramount. In short, compulsory insurance is the baseline—don’t skimp on this. Other commercial insurances can be tailored to your needs, but they’re all investments in prevention. Never take them lightly.

[SanEzra]

When I first bought my car, I was quite clueless. After asking around, I learned that compulsory traffic insurance (CTI) must be obtained first through official channels. It's not expensive, but you can't even get your license plate without it. I also opted for third-party liability insurance as a supplement—new drivers are prone to minor scrapes, and having a coverage of 100,000 yuan provides peace of mind. Commercial insurance like vehicle damage insurance can be added as needed; protecting the body of a new car is crucial. These basics cover most risks for daily commuting. Don’t skimp by buying just one type—comprehensive coverage offers much more security. Remember to check your policy regularly to avoid expiration and unnecessary hassles.

[OJessica]

As a family car owner, safety comes first when taking kids out. Compulsory traffic insurance is a must by law to ensure others are protected from losses. Additionally, passenger liability insurance provides coverage for children sitting in the back seats in case of accidents. I recommend purchasing mid-level third-party liability insurance to be prepared for daily risks like wind and rain. In fact, spending a bit for peace of mind is most worthwhile—don't wait until it's too late for regrets.