What is Full Vehicle Passenger Insurance?
2 Answers
Passenger and driver accident insurance, as the name suggests, is an accident insurance related to "driving" and "riding" in a vehicle, mainly providing traffic accident protection for passengers in the car. When an accident occurs, the insurance company compensates for the personal safety of the driver and passengers. The specific coverage includes: 1. Accidental death while riding: Suffering accidental injury due to a traffic accident, leading to death as a result of the accident. 2. Accidental disability while riding: Suffering accidental injury due to a traffic accident, leading to physical disability as a result of the accident. 3. Accidental medical expenses while riding: Suffering accidental injury due to a traffic accident, with reasonable medical expenses incurred for treatment at a hospital designated or recognized by the insurer. 4. Hospitalization allowance: Suffering accidental injury due to a traffic accident, with a daily allowance for hospitalization at a hospital designated or recognized by the insurer.
The full vehicle passenger insurance actually refers to the driver and passenger liability insurance, specifically covering accidental injury expenses for drivers and passengers in accidents. Having driven for over a decade, I find this type of insurance particularly crucial, especially when traveling with friends or family. In case of a collision, it helps cover medical expenses or losses, saving a lot of trouble. For instance, last year my friend had an accident and ended up paying tens of thousands out of pocket because he didn't have this coverage—he regretted it deeply. I highly recommend adding it when purchasing car insurance, choosing an appropriate coverage amount, and not just focusing on saving money while neglecting safety. After all, life is more valuable than anything. One more thing: the coverage amount directly affects the claim speed. A starting range of 5,000 to 10,000 yuan is common, but too high might be wasteful—it should be based on your car model and usage. In short, having this insurance onboard makes everyone feel much more at ease.
