What insurance is required for a car?

1 Answers
VanCecilia
07/29/25 8:59pm
Car insurance that needs to be purchased includes: 1. Compulsory Traffic Accident Liability Insurance (CTPLI): This is mandatory by national regulations, and without it, the vehicle cannot legally operate on the road; 2. No Deductible Insurance: This is an additional coverage attached to other commercial insurance policies. If the owner does not purchase this, they may have to bear the deductible portion themselves; 3. Vehicle Damage Insurance: This mainly protects your own vehicle and should be purchased based on the value of your car; 4. Third-Party Liability Insurance: This covers damages to others. After an accident, the CTPLI is used first for compensation, and any amount exceeding the CTPLI limit is covered by the Third-Party Liability Insurance; 5. Scratch Insurance: It is advisable for new cars to purchase scratch insurance, especially for new drivers who may inevitably experience minor collisions, providing better protection.
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