What does motor vehicle passenger liability insurance mean?

[LaNoah]

Motor vehicle passenger liability insurance refers to the passenger portion of the onboard personnel liability insurance. It covers the financial compensation liability that the policyholder is legally obligated to bear when a traffic accident occurs while a qualified driver authorized by the policyholder is operating the insured vehicle, resulting in bodily injury or death of passengers inside the vehicle. The insurance company will provide compensation according to the terms of the contract. Below is relevant information about onboard personnel insurance: 1. Definition: This insurance covers accidental incidents involving the insured vehicle that cause injury or death to the driver or passengers onboard. The insurance company will compensate based on the onboard personnel liability insurance purchased. 2. Features: When purchasing this insurance, you can choose according to your own needs while also considering your actual situation. It is a mandatory industry insurance for vehicles engaged in passenger transport and is a very necessary auto insurance in addition to compulsory traffic insurance. Seat insurance can be divided into 20 tiers, and the more you purchase, the higher the compensation you can receive.

[OmarLee]

When I first got my car, I really didn't understand what passenger liability insurance was. A friend told me it's a safety net for the driver and passengers in the car. Simply put, if you're involved in an accident while driving, the insurance company will cover the medical expenses or disability compensation for the people in the car—this includes injuries or fatalities to the driver or passengers. This insurance is particularly practical. Whenever I drive my family around, this coverage can ease the financial burden and psychological stress in case of an accident. The key is to choose the right coverage amount—don't skimp and go too low, or it might not be enough when you really need it. I personally opted for 500,000 yuan in coverage, which feels more secure. Remember, this is liability insurance, not accident insurance—its focus is on compensating for liability-related losses. If you don't add this to your car insurance, you'll have to cover all injury-related compensation out of pocket after an accident, which can be tough. In short, I recommend every car owner consider getting this insurance—it makes driving life much more reassuring.

[DeEli]

As a driver with a family of young and old, I place great importance on the substance of passenger liability insurance. It essentially provides coverage for personal injury compensation for the driver and passengers in the event of a vehicle accident, meaning if the car gets into a scrape or collision on the road resulting in injuries, the insurance company covers medical expenses and compensation. My family often takes long trips back to our hometown, and having this insurance gives me peace of mind, saving us from financial worries in case of an unexpected event. The coverage amount should be determined based on the usual number of passengers. For example, since I often carry four people, setting a higher coverage amount is advisable. If an accident occurs, the claims process isn’t overly complicated—just report the incident and provide evidence to the insurance company. I’ve heard of a neighbor who didn’t have this insurance and ended up paying nearly 100,000 yuan in compensation for injuries after an accident, suffering a heavy loss. With increasing traffic congestion and higher risks nowadays, not having this insurance is like gambling with luck. Therefore, regularly reviewing my policy and updating the coverage amount is my habit, ensuring that I can protect everyone in the car in case of an accident.

[LeRhett]

Actually, the passenger liability insurance is a type of auto insurance that mainly covers compensation for injuries to people in the car during an accident. When I first bought car insurance, I didn't understand it well and thought it was similar to compulsory traffic insurance. Later, I learned the difference: compulsory traffic insurance covers third parties, while this one specifically protects people inside the car, such as the driver or passengers. The advantage is that the premium isn't expensive—just a few hundred yuan a year to add the coverage. In case of a car accident, you won't have to worry about medical expenses. Based on my experience, I recommend all new car owners to purchase it and not skimp on this small cost.