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.

[DeJonathan]

With two kids at home, safety is my top priority when driving. Compulsory traffic insurance is basic, but it doesn't cover my own vehicle or people. So I bought passenger liability insurance to cover medical expenses when traveling with the whole family—no worries about hospitalization costs in case of an accident. I didn't skimp on car damage insurance either; the car is a daily necessity, and repairs would disrupt our routine. I added glass insurance—last time a storm cracked the windshield, and the replacement was quick and free. Theft insurance is a small cost; the city is safe, but it's better to be prepared. The premium isn't high—paying a bit more annually spread over monthly installments is worth it for priceless family protection and peace of mind while driving at night. Talking to neighbors, they all recommend these—totally worth it.

[Caden]

With a tight budget, I can only focus on essential insurance. Compulsory traffic insurance is the mandatory national minimum, and I've added third-party liability insurance as a supplement because the compensation limit for compulsory insurance is too low—I'm afraid I can't afford the compensation if I hit someone. Vehicle damage insurance covers the basics; repairing major components can save me thousands. Passenger liability insurance is a must—it's a small investment for potentially big returns on medical costs for myself and passengers. I've also opted for the no-deductible clause to get more money in claims without losing out. I skipped theft insurance since I live in a safer suburban area, and scratch insurance wasn't necessary as my car is old. The insurance agent said this package only costs a few hundred more per year—cost-effective and safe.