What kind of insurance should you generally buy for a car?

1 Answers
VanGabriella
07/30/25 9:48am
After purchasing a vehicle, it is essential to buy third-party liability insurance, compulsory traffic insurance, and commercial insurance. The principles for purchasing insurance after buying a car are as follows: 1. Prioritize purchasing sufficient third-party liability insurance: When buying car insurance, the ability to compensate for others' losses should be the top priority; otherwise, you will be helpless in the event of an accident. Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, both are used to pay for the other party's medical or compensation expenses after the owner's car hits someone. However, currently, the protection capability of compulsory traffic insurance is limited and insufficient to handle major personal injury accidents, so it is generally advisable to also purchase third-party liability insurance. 2. The insurance amount for third-party liability insurance should refer to the compensation standards of the location: Compensation standards vary across different regions in the country. According to the highest standards for car insurance compensation calculation,
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