What Does Car Insurance Cover?
1 Answers
Car insurance includes compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, passenger liability insurance, total loss theft insurance, glass breakage insurance and other basic insurances, as well as additional insurances such as body scratch insurance, spontaneous combustion insurance, water driving insurance, cargo falling liability insurance, and no-deductible special liability insurance. Below is an introduction to some of the car insurances: 1. Vehicle damage insurance: Used to compensate for losses caused by natural disasters and accidents to the vehicle itself. It is recommended for beginners to purchase. 2. Third-party liability insurance: Used to compensate for losses caused by the car owner to third-party personal injuries or deaths. This must be purchased as it provides protection for both yourself and others. 3. No-deductible insurance: An additional insurance that transfers the responsibility the car owner needs to bear to the insurance company, reducing the owner's losses. If both vehicle damage insurance and third-party liability insurance are purchased, it is best to also purchase no-deductible insurance. 4. Theft insurance: Used to compensate for damages caused by vehicle theft, robbery, or seizure. It is recommended for new car owners without garages to purchase. 5. Passenger liability insurance: Used to compensate for losses suffered by the driver and passengers in the car due to traffic accidents. Premiums are generally paid per seat. It is recommended for beginners or family car owners to purchase.
