What Insurance Do You Need to Buy for a Sedan?
3 Answers
Sedans require commercial insurance and compulsory traffic insurance. More information about commercial insurance and compulsory traffic insurance is as follows: 1. Commercial insurance refers to insurance purchased for commercial purposes, which is voluntarily chosen by the car owner. Compulsory traffic insurance, on the other hand, is mandatory insurance required by the state. It is a compulsory liability insurance provided by the insurance company to compensate for personal injury, death, and property loss of victims caused by road traffic accidents involving the insured motor vehicle within the liability limits. 2. The main types of commercial insurance include vehicle damage insurance (comprehensive coverage), third-party liability insurance, theft insurance, and passenger liability insurance.
I just got my driver's license and did a lot of research on insurance when buying a car. Compulsory traffic insurance is legally required, and driving without it will result in fines. Personally, I think third-party liability insurance is very important—it covers medical expenses and property damage if you hit someone else's car or a pedestrian, and it's best to choose a coverage amount of at least 1 million to be safe. Vehicle damage insurance is also a must, as it covers repair costs for scratches and dents on a new car without you having to pay out of pocket. For a new car, you might also consider comprehensive insurance with theft coverage for added peace of mind, but it’s not worth it for an older car. Don’t forget glass and scratch insurance, which is great for those who often drive in the city. While driving carefully is key, insurance is definitely a safety net to avoid panic when accidents happen. Ask friends or professional advisors to help you choose the right package.
I've been driving for ten years and have some practical advice to share. Compulsory traffic insurance is a must—never break the law. For third-party liability insurance, I always opt for 2 million coverage, given the number of luxury cars on the road these days; you wouldn't want to be stuck with an unaffordable bill. As for collision insurance, assess your budget—new cars should have it, while older cars may not be worth the cost. Passenger insurance is quite useful for family trips. Avoid unnecessary add-ons like spontaneous combustion or water damage coverage unless you live in a flood-prone area. Overall, insurance is about peace of mind—don’t skimp on the basics to save a few bucks, or you’ll regret it when an accident happens.
