What types of car insurance are best to buy?

[OMalia]

There are four main types of car insurance to consider: Vehicle Damage Insurance, Third-Party Liability Insurance, No-Deductible Special Coverage, and Compulsory Traffic Insurance. Here are the details:1. No-Deductible Special Coverage: When an accident covered by Vehicle Damage Insurance or Third-Party Liability Insurance occurs, this insurance covers the deductible amount that the policyholder would normally have to pay.2. Vehicle Damage Insurance: This covers the cost of repairs to your own vehicle. The premium for this insurance is closely related to the purchase price of the car and the number of seats. In other words, the more expensive the car, the higher the premium. With this insurance, the policyholder doesn’t have to bear the repair costs, making it essential for vehicle protection.3. Third-Party Liability Insurance: Similar to Compulsory Traffic Insurance, this covers compensation for third-party victims, effectively serving as a supplement to Compulsory Traffic Insurance.4. Compulsory Traffic Insurance: According to Chinese traffic regulations, every car must pay an annual fee for this insurance. Driving without it can result in fines and penalty points if caught.