What is the difference between passenger liability insurance and driving-passenger insurance?

[DelAdelyn]

The differences between passenger liability insurance and driving-passenger insurance are as follows: 1. Different definitions: Passenger liability insurance is purchased per seat, while driving-passenger insurance is divided into two types: "per person" and "per vehicle" coverage. 2. Different insurance liabilities: Passenger liability insurance is a liability insurance, meaning compensation is only provided if the driver's fault causes an accident resulting in personal injury to passengers. Driving-passenger insurance (per vehicle) is an accident insurance, where compensation is provided to anyone in the vehicle regardless of who is at fault. 3. Different compensation ratios: Passenger liability insurance pays compensation based on the proportion of liability—100% for full liability, 70% for primary liability, 50% for secondary liability, 30% for equal liability, and no payment if not at fault. Driving-passenger insurance pays the agreed insured amount as per the policy terms, regardless of who is at fault.