What is Seat Insurance and Is It Necessary to Purchase?
2 Answers
Seat insurance, also known as passenger liability insurance, is one of the main types of commercial insurance currently available, and it is necessary to purchase. 1. Definition: Seat insurance covers accidental incidents involving the insured vehicle that result in injuries or fatalities to the driver or passengers on board. The insurance company will provide compensation based on the passenger liability insurance purchased. 2. Features: When purchasing seat insurance, you can tailor it according to your needs while also considering your actual circumstances. Seat insurance is a mandatory industry requirement for vehicles engaged in passenger transport, making it a highly essential auto insurance beyond compulsory traffic insurance. Seat insurance is divided into 20 tiers, and the higher the coverage purchased, the greater the potential compensation. 3. Purchase Considerations: Seat insurance covers accidental incidents that are not intentional acts by the involved party but are unforeseen and unavoidable events leading to injuries or fatalities of the driver or passengers on board, as well as property damage. The insurance company will only compensate for medical expenses or accident payouts under such circumstances.
Seat insurance is a type of car insurance specifically designed to protect passengers from accidental injuries. In case of an accident where friends or family members get injured, it can cover medical expenses or compensate for losses, saving you from paying out of pocket. I think it's particularly necessary to buy, especially for someone like me who often takes family out on trips—with kids and my wife in the car, the risk might not be high, but if an accident happens, the consequences can be severe. The insurance premium isn't expensive, just a few hundred yuan a year, but it provides peace of mind. From a safety perspective, this is much more cost-effective than saving a small amount of money, as safety in the car is no trivial matter. With complex road conditions nowadays, minor collisions are hard to avoid, and having seat insurance gives me some reassurance. Of course, if you always drive alone, the risk might be lower, but it's always better to be safe than sorry.
