What is the difference between passenger insurance and seat insurance?
1 Answers
Passenger insurance, fully known as passenger seat liability insurance, and seat insurance, fully known as on-board personnel liability insurance, differ in the following aspects: 1. Coverage: Passenger insurance mainly covers seats other than the driver's, while on-board personnel liability insurance covers both the driver's and passengers' seats. 2. Payment term: Passenger insurance can be purchased for short or long terms, whereas on-board personnel liability insurance is paid annually. 3. Scope of protection: Passenger insurance covers medical expenses, airplane accidents, train accidents, etc., outside of private cars; on-board personnel liability insurance primarily provides coverage for accidents occurring during vehicle operation that result in casualties, with compensation handled by the insurance company.