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What is Comprehensive Car Insurance?

2 Answers

DelBeau

07/28/25 10:53pm

Generally, comprehensive car insurance refers to: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + no-deductible insurance + passenger liability insurance, etc. Below is a related introduction to car insurance: 1. Introduction: Vehicle insurance, also known as motor vehicle insurance or simply car insurance, refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Purchase Considerations: (1) Do not double insure. Some car owners may think that they are more likely to make a claim in a certain area and thus double insure for that specific coverage, believing they can receive double compensation. This is a misconception. (2) Do not over-insure or under-insure. According to Article 39 of the Insurance Law: 'The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess portion is invalid.'

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McAlivia

08/12/25 3:20am

I've been driving for over twenty years, and comprehensive car insurance is an essential safeguard in my eyes. It's not just the mandatory traffic insurance to comply with the law; it covers a lot: if you hit someone while driving, third-party liability insurance helps compensate for the other party's losses; if your car gets damaged, vehicle damage insurance pays for repairs; there might also be theft insurance, glass breakage insurance, etc., preventing minor accidents from emptying your wallet. I remember last year when my car's windshield was smashed by hail, a single call to the insurance company covered the repair costs—truly hassle-free. New drivers should avoid skimping on costs; getting comprehensive insurance means higher premiums but protects against the financial pressure of major accidents. Regularly consulting with an insurance advisor can help choose suitable additional coverage, making driving even more reassuring.

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