What types of car insurance are generally needed?

[NathanDella]

Car insurance purchases should be selected based on the owner's usage. Here's a detailed introduction to some car insurance types: 1. Car insurance is divided into compulsory traffic insurance and commercial auto insurance. Compulsory traffic insurance is mandatory and must be purchased. 2. Commercial auto insurance consists of basic coverage and additional coverage: The most important basic coverages are third-party liability insurance and vehicle damage insurance, which are purchased by the vast majority of car owners. 3. If the parking environment is not ideal and the risk is relatively high, theft insurance should also be considered. 4. In humid and rainy areas, spontaneous combustion insurance and water damage insurance should both be purchased.