What Car Insurance Must Be Purchased?

[MacHadley]

Car insurance must include compulsory traffic insurance. The full name of compulsory traffic insurance is Motor Vehicle Traffic Accident Liability Compulsory Insurance, which is mandatory by the state and required for vehicles to be on the road. Below is a detailed introduction to purchasing car insurance: 1. Vehicle Damage Insurance: This insurance covers the loss of your own vehicle. Since minor collisions are inevitable while driving, it is advisable to purchase this coverage. 2. Third-Party Liability Insurance: This insurance primarily covers the bodily injury and property damage of third parties involved in a traffic accident. 3. Passenger and Driver Liability Insurance: This covers passengers and the driver in the vehicle, with some overlap in coverage with accident insurance. 4. No-Deductible Insurance: This is a special clause for no-deductible coverage, serving as an additional insurance policy.

[OOscar]

I remember when I first bought the car, I didn’t know much about insurance. Later, I gradually learned that compulsory traffic insurance is mandatory by law—you can’t drive without it. It’s also best to add third-party liability insurance, as repair and compensation costs are quite high these days. I recommend a coverage amount of no less than 1 million. Vehicle damage insurance is particularly important. For example, just the other day, a colleague’s new car was hit by a falling tree, and this insurance saved them from a huge loss. If you often drive with family members, seat insurance is also worth considering to protect passengers. Other types like water damage or scratch insurance aren’t really necessary—it depends on your driving environment.

[JaxonDella]

A veteran driver with 20 years of experience tells you that compulsory traffic insurance is a must-have, as traffic police enforce it strictly. I've never skipped third-party liability insurance all these years, increasing coverage from 500,000 to 2 million yuan given the rising number of luxury cars and pedestrians nowadays. The necessity of vehicle damage insurance depends on the car's condition—I'd get it for a new car, but by the eighth year, I only renew compulsory and third-party coverage. Scratch insurance seems the least worthwhile to me; minor dings are easier to handle myself. By the way, a friend forgot to renew commercial insurance last year and had to pay 20,000 yuan out of pocket for a single-vehicle accident repair, so it's best to set up auto-renewal reminders in the insurer's app.

[MacAmelia]

Our family is most afraid of accidents during trips, so compulsory traffic insurance is a must. I always start with a third-party liability coverage of 2 million yuan. Last time, a friend hit a Rolls-Royce and had to pay over 300,000 yuan out of pocket because the coverage wasn't enough. Vehicle damage insurance is essential for us who drive urban SUVs—last week, the insurance fully covered the scratched chassis. Passenger liability insurance is specifically for my wife and kid, and buying it per seat gives me peace of mind. Glass insurance is indeed useful in our typhoon-prone southern region, but if you don’t often drive long distances, you can save on this cost.

[OEloise]

As a budget-conscious person, I believe compulsory traffic insurance is non-negotiable. For third-party liability insurance, the 1.5 million coverage tier offers the best value - adequate protection without being too expensive. I only purchase vehicle damage insurance for new cars within the first five years, as repair costs later often don't justify the premiums. The deductible waiver clause is most practical, providing 15% additional compensation for repairs. Seat insurance costing just 0.5 yuan per person daily is worthwhile. Additional coverages should be considered case-by-case - southern drivers might need water damage insurance during rainy seasons, while northern regions with heavy snow could benefit from tire insurance. The key is to compare packages from different providers to find the most cost-effective option.

[Campbell]

Recent experience in handling insurance disputes shows that compulsory traffic insurance is legally required, and failure to have it can result in vehicle impoundment and fines. Among commercial insurances, third-party liability insurance should be prioritized, as medical costs for injuring someone can easily reach hundreds of thousands nowadays. Whether to purchase vehicle damage insurance depends on your car's value, and new car loans often require it as a mandatory condition by dealers. Don't overlook the no-deductible clause—it saves a significant amount when filing a claim. Pay special attention to areas prone to natural disasters, such as typhoon-prone regions, where glass insurance clauses are crucial. Among all insurance types, I least recommend purchasing comprehensive theft insurance, as modern vehicle anti-theft technology is already quite advanced.