What does DEJ in car insurance refer to?

[McAiden]

DEJ in car insurance refers to the Passenger Liability Insurance, also known as Seat Insurance. Below are the specific details about Seat Insurance: 1. Seat Insurance: Seat Insurance refers to the situation where, in the event of a traffic accident not involving intentional human behavior, resulting in injuries or fatalities to the driver or passengers inside the vehicle, the insurance company will provide a certain amount of compensation for the accident or medical expenses. 2. Premium: Generally, the coverage level is closely related to the premium of Seat Insurance—the higher the coverage level, the greater the compensation amount. It also has a certain relationship with the number of seats in the vehicle, leading to variations in the Seat Insurance generated.

[Phillips]

I have worked in the auto insurance field for many years. Car insurance DEJ typically refers to third-party liability insurance, which is one of the core components of commercial auto insurance. It mainly covers compensation for injuries to others or damage to third-party property in an accident, such as accidentally hitting a pedestrian or another vehicle while driving, where medical expenses and repair costs can be reimbursed. This type of insurance is crucial because the law requires all car owners to purchase basic insurance like compulsory traffic insurance, but DEJ allows for customizable coverage amounts, ranging from hundreds of thousands to millions, making it especially suitable for high-risk driving areas like big cities. I recall an example where a friend had a minor rear-end collision in a busy downtown area and had to pay tens of thousands in repair costs for the other party, all of which was handled by the insurance company. Without DEJ, the personal financial burden would be enormous, so I always advise checking the policy details when buying insurance each year—don’t just focus on low prices, as insufficient coverage can be very problematic. Additionally, DEJ premiums usually make up a small portion of overall auto insurance costs, with an annual fee of just a few hundred dollars—a small investment with significant benefits, providing peace of mind while driving.

[Jeremy]

As someone who drives every day, I pay special attention to DEJ car insurance, which is essentially third-party liability insurance that covers the losses when we accidentally injure others. My old car, which I've driven for five years, has been involved in two minor scrapes, one of which scratched another car's door in a parking lot, costing over 5,000 yuan in repairs—all covered by the DEJ portion. Don’t overlook this when buying car insurance; I recommend starting with a coverage of at least 500,000 yuan, and opting for 1 million yuan in urban areas for extra security. Premiums depend on the car’s condition and driving record, with new cars costing around 300–500 yuan per year—a real bargain. Accidents are unpredictable on the road, and paying out of pocket for damages can be overwhelming; insurance helps handle disputes with ease. I always remind fellow drivers to regularly review and update their coverage—older cars come with higher risks, so don’t wait until an accident happens to regret it.

[McSophie]

Speaking of the history of car insurance, car insurance DEJ is actually third-party liability insurance, a term that has been used in the insurance industry for a long time. Since the invention of automobiles, the risk of accidents has existed. In the early days, car owners had to pay for major accidents entirely out of pocket, which was unaffordable for the poor. Later, countries including China introduced requirements similar to compulsory insurance. I remember that regulations were gradually improved in the last century, and after 2000, the traffic law mandated compulsory third-party liability insurance to cover basic risks. Now, DEJ serves as a flexible supplement to commercial insurance, with coverage amounts rising to the million-level, and premiums indirectly reflecting the rising cost of living. Awareness of driving safety and responsibility has increased, and DEJ helps share the social burden. For example, in the past, accident compensation was low, but now with soaring medical and car repair costs, high-coverage insurance has become essential. When driving, this risk preparation cannot be overlooked.

[DelColton]

When purchasing car insurance, DEJ (Third-Party Liability Insurance) is absolutely essential. My experience shows that buying insurance isn't just about comparing prices, but also about coverage limits. Recommendations based on driving habits: choose a coverage limit starting from 800,000 for urban commuting, while rural areas may require less. Premiums typically start at a few hundred per year, which is affordable but crucial. In case of an accident involving injury, medical expenses could easily exceed hundreds of thousands, and without DEJ, you'd be burdened with overwhelming debt. Before buying car insurance, research the insurer's reputation and opt for those with fast claim settlements, avoiding sluggish services. Also, check if the policy excludes scenarios like drunk driving. Regularly review and adjust your coverage limit, say annually, to account for inflation's impact on protection. Additionally, DEJ only covers third-party liabilities; for your own vehicle's damage, you'll need Collision Insurance, so don't confuse the two.