What Car Insurance Should You Buy?

[LaZoe]

Purchase compulsory traffic insurance for your car. Below is relevant information about vehicle insurance: 1. Introduction: Vehicle insurance, also known as motor vehicle insurance, is referred to as auto insurance. 2. Categories: Commercial insurance is an indefinite value insurance, divided into basic insurance and additional insurance, where additional insurance cannot be purchased independently. Basic insurance includes third-party liability insurance and vehicle damage insurance (comprehensive coverage); additional insurance includes total vehicle theft insurance (theft coverage), on-board liability insurance, no-fault liability insurance, cargo dropping liability insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion insurance, new equipment loss insurance, and deductible waiver insurance. Compulsory traffic insurance (i.e., compulsory motor vehicle traffic accident liability insurance) also falls under the broad category of third-party liability insurance. Compulsory traffic insurance is mandatory, and motor vehicles must purchase it to be allowed on the road, pass annual inspections, and be registered. Moreover, in the event of third-party losses requiring claims, compulsory traffic insurance must be paid out first before other insurance types.

[VonHolden]

I've been driving for over a decade and know insurance inside out. Compulsory traffic insurance is a must—it's state-mandated coverage for third parties. For commercial insurance, I recommend three types: vehicle damage insurance for your own car repairs, which now covers spontaneous combustion, glass, and water damage after the reform; third-party liability insurance of at least 2 million, given how expensive luxury cars and pedestrian injuries can be these days; and seat insurance for injuries to passengers. Scratch insurance might be worth considering for new drivers, especially in older neighborhoods where parking scratches are common. Always check the absolute deductible rate in the policy terms—opt for 0% to make claims hassle-free. Compare prices from multiple providers and don’t just focus on freebies.

[CarolineAnn]

Last year, my cousin's new car got flooded, and fortunately, he had bought water damage insurance. For ordinary family cars, the basic configuration is sufficient: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance of 2 million + seat insurance. For those who frequently drive on highways, adding tire insurance is recommended, as it can cover the cost of tire repairs or replacements in poor road conditions. For holiday road trips, it's advisable to add travel accident insurance, which offers several times higher coverage than regular seat insurance. Remember to renew the insurance 30 days in advance to avoid penalties for lapsed coverage. When purchasing insurance, don't skip the hassle of recording a video inspection of the car, or disputes may arise during claims.

[SanAlexandra]

A colleague who just bought a car asked me about insurance, and I gave him three key points right away: Third-party liability insurance must start at 3 million, because hitting a Rolls-Royce in a big city is no joke; the additional medical expenses outside of health insurance costs just a few dozen bucks but is super practical, as it covers self-paid medication in personal injury accidents; add full vehicle theft insurance, which banks require for car loans. For new energy vehicles, remember to insure the battery—gasoline car owners can ignore this. Small companies offer lower quotes but slower claims, so for peace of mind, go with a big brand.