What Else Does Compulsory Traffic Insurance Cover?

[VanRyan]

Compulsory traffic insurance covers losses caused to third parties (excluding the insured vehicle and its passengers), regardless of fault. Below is an introduction to relevant knowledge about compulsory traffic insurance: 1. Definition: Compulsory traffic insurance [full name: Motor Vehicle Traffic Accident Liability Compulsory Insurance] is China's first compulsory insurance system implemented under national law. 2. Insurance Liability: In the event of a traffic accident while using the insured vehicle, resulting in personal injury, death, or property loss to victims, for which the insured is legally liable for damages, the insurance company shall compensate within the prescribed limits for each accident as agreed.

[LaClara]

After driving for so many years, I think car insurance is something worth studying carefully. Besides the mandatory compulsory traffic insurance, there are many optional commercial insurance types that can greatly enhance your sense of security. Vehicle damage insurance specifically covers damage to your own car, such as accidental scratches or hitting a tree; third-party liability insurance makes up for the compensation gap of compulsory traffic insurance—if you're involved in an accident with a luxury car, the payout might not be enough; comprehensive theft insurance guards against the risk of your car being stolen; passenger liability insurance protects the driver and passengers in case of injury; glass insurance separately handles issues of broken glass; spontaneous combustion insurance addresses the potential hazard of older cars catching fire; and no-deductible insurance is particularly considerate, saving you from part of the out-of-pocket expenses during claims. I suggest everyone not just save that little bit of money, especially in congested urban areas. Combining several insurance types can significantly reduce financial pressure in case of an accident. Minor bumps and scrapes are common in daily driving, and having these protections gives you more peace of mind.

[LeilaniDella]

When I first bought a car, I thought compulsory traffic insurance was enough. But after a friend shared their accident experience, I realized there are many other insurances to consider. The most practical is third-party liability insurance, which supplements the insufficient coverage of compulsory insurance. Vehicle damage insurance covers your own car's repair costs; theft insurance protects against the risk of car theft; passenger liability insurance safeguards passengers, especially useful for those who often travel with family. I also opted for glass insurance, as flying stones on highways damaging windshields are not uncommon. Each insurance targets different scenarios—for example, new cars should consider spontaneous combustion insurance to prevent fire hazards. Personally, I believe it's best to choose a combination based on your driving frequency to avoid significant losses in case of accidents. City driving carries higher risks, so spending a bit more on premiums for peace of mind is worthwhile in the long run.

[Easton]

In addition to compulsory traffic insurance, there are many options for car insurance. Collision insurance covers repairs for your own vehicle's damage; third-party liability insurance supplements compensation for the other party's losses; theft insurance protects against vehicle theft; passenger liability insurance safeguards you and your passengers; glass insurance handles standalone glass breakage; spontaneous combustion insurance prevents vehicle self-ignition; and no-deductible insurance reduces the out-of-pocket portion during claims. For someone who frequently drives long distances, combining these insurances is both practical and safe. For beginners, it's advisable to at least purchase third-party liability plus collision insurance—don't just focus on compulsory insurance and overlook the risks.