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What Type of Insurance Does Motorcycle Insurance Belong To?

1 Answers

DeThomas

07/30/25 7:07am

Motorcycle insurance is similar to regular auto insurance, requiring the purchase of compulsory traffic insurance (CTL) and other commercial insurance policies. Among these, CTL is mandatory, while commercial insurance typically includes motorcycle damage insurance and third-party liability insurance, among others. Motorcycle Damage Insurance: This refers to coverage for the insured motorcycle against losses caused by natural disasters (excluding earthquakes) or accidents within the scope of the insurance policy. The insurer compensates according to the terms of the insurance contract. If you value your motorcycle, this insurance is recommended. Third-Party Liability Insurance: In the past, most local governments classified third-party liability insurance as a compulsory insurance type. Without this insurance, motor vehicles could not be registered or undergo annual inspections. After the introduction of Compulsory Traffic Liability Insurance (CTL), third-party liability insurance became non-mandatory.

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