What else is included in compulsory traffic insurance for vehicles?

[OMakayla]

Compulsory traffic insurance covers losses caused to third parties (excluding the insured vehicle and its occupants), regardless of fault. Below is an introduction to relevant knowledge about compulsory traffic insurance: Definition: Compulsory traffic insurance [full name: Compulsory Traffic Accident Liability Insurance for Motor Vehicles] is China's first mandatory insurance system implemented by national law. 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 will compensate within the specified limits for each accident as per the agreement.

[ONaomi]

As a seasoned driver with over a decade of experience, besides the mandatory compulsory insurance, I always add several commercial insurance policies. The vehicle damage insurance covers my own car—if there's a scratch or accident requiring thousands in repairs, it handles reimbursement effortlessly. I also highly recommend passenger liability insurance, especially for long-distance trips, as it covers medical expenses for both myself and passengers in case of accidents. Additionally, I supplement with third-party liability insurance since compulsory insurance pays too little—I worry that hitting someone could cost millions, so I increase the coverage. I also opt for theft and glass coverage, as car thefts and windshield cracks from flying stones are common, making insurance worthwhile. The zero-deductible coverage is a must—it ensures no out-of-pocket costs during claims, just a few hundred extra per year for much greater peace of mind. I often discuss with fellow drivers—don’t skimp on these small expenses; the real loss comes when you can’t afford repairs or compensation.

[DelBlakely]

As a young person who just bought a car, I knew that compulsory traffic insurance is legally required, but it only covers others, not my own car or myself. So I added other insurances, like vehicle damage insurance to protect my car—no worries about repairing scratches on a new car. Passenger liability insurance is crucial, covering medical costs for me and my friends, giving peace of mind when driving at night. I also considered scratch insurance since new car paint is expensive, and minor scratches can be fixed quickly. Theft insurance sounds scary, but I bought it anyway—living in the city makes me worry about car theft. These extra premiums aren’t much, just a few thousand a year, spread out affordably. Checking online guides helps pick the right coverage—unlike my friend who skipped it and faced big trouble.

[McLily]

Having worked in the auto repair industry for many years, I've seen too many car owners regret only purchasing compulsory traffic insurance. Compulsory insurance only covers third-party accidents and doesn't pay a penny for your own vehicle damage - repairs can cost thousands. I recommend adding comprehensive coverage to protect your engine and body; theft insurance prevents major losses if your car gets stolen and isn't recovered; passenger liability insurance is essential to cover medical costs for you and your family in accidents - don't wait until disaster strikes to regret being unprepared. Glass coverage is inexpensive and provides quick windshield replacement when summer road debris cracks it. Add a zero-deductible option to eliminate out-of-pocket costs during claims. These are concrete protections - insurance companies pay promptly, and vehicle repair costs are unavoidable expenses.