What insurance do I need to buy for a car?

[Nolan]

For a car, you need to purchase commercial insurance and compulsory traffic insurance. Commercial insurance is for commercial purposes and is voluntarily chosen by the car owner. Compulsory traffic insurance is a mandatory insurance required by the state, where the insurance company compensates for personal injury, death, or property loss (excluding the vehicle's occupants and the insured) caused by the insured vehicle in a road traffic accident within the liability limits. The main types of commercial insurance include vehicle damage insurance (comprehensive coverage), third-party liability insurance, theft insurance, and passenger liability insurance. Vehicle damage insurance refers to compensation provided by the insurer for losses to the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, according to the terms of the insurance contract.