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What does comprehensive car insurance mean?

1 Answers

SanJesse

07/30/25 9:37am

Comprehensive car insurance is a colloquial term, as there is currently no standardized definition of 'comprehensive insurance' in the insurance industry. Generally, comprehensive insurance includes eight types of coverage: compulsory traffic insurance, vehicle damage insurance, commercial third-party liability insurance, passenger liability insurance, theft insurance, scratch insurance, standalone glass breakage insurance, and no-deductible insurance. Below is an introduction to each type of coverage: 1. Compulsory Traffic Insurance. This is a mandatory insurance required by Chinese laws and regulations. In the event of an accident causing personal or property damage, the insurance company must provide compensation within specified limits and proportions. 2. Vehicle Damage Insurance. This covers losses to the vehicle caused by natural disasters or accidents, with the insurance company compensating a certain proportion of rescue costs. 3. Third-Party Liability Insurance. This covers property and personal losses suffered by third parties due to accidents involving the insured vehicle, with the insurer paying compensation as per the contract. 4. Passenger Liability Insurance. This covers personal injuries to passengers in the insured vehicle due to accidents, with the insurer providing compensation. 5. Theft Insurance. This compensates for financial losses due to vehicle theft. 6. Scratch Insurance. This covers damage to the vehicle without obvious collision marks during use, with the insurer providing compensation. 7. Standalone Glass Breakage Insurance. This covers situations where the vehicle's glass breaks independently during use.

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