What Insurance Policies Are Required When Purchasing a Car?

1 Answers
EllianaFitz
07/29/25 9:41pm
Compulsory traffic insurance, vehicle damage insurance, and third-party liability insurance must be purchased. Here are some important considerations when buying car insurance: 1. Avoid duplicate coverage: Take vehicle damage insurance as an example. If you purchase vehicle damage insurance from two different insurance companies simultaneously, in the event of a claim, both policies can provide compensation. However, the total amount reimbursed is based on the actual vehicle damage. This means having two policies does not increase the compensation for vehicle damage. Instead, the car owner will have to go through the claim process with both insurance companies, which is time-consuming and cumbersome. 2. Ensure adequate coverage: When purchasing vehicle damage insurance, the coverage amount should match the vehicle's value. If the coverage amount is too low, in the event of an accident causing vehicle damage, the compensation from the insurance company may not be sufficient to cover the losses. Even if you over-insure, the insurance company will not pay more than the actual loss. 3. Renew on time: Before the vehicle insurance is about to expire, car owners must renew it promptly. If the vehicle is in an 'uninsured' period, the insurance company is not liable for any claims.
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