What Types of Car Insurance Can You Purchase?
2 Answers
Vehicle insurance must include compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, and comprehensive vehicle insurance. Here is more relevant information: 1. Comprehensive vehicle insurance includes: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + no-deductible insurance + passenger liability insurance, etc. If conditions permit, you can also add theft insurance, glass insurance, body scratch insurance, and spontaneous combustion insurance. 2. Third-party liability insurance: Like compulsory traffic insurance, third-party liability insurance compensates the injured third party, essentially serving as a supplement to compulsory traffic insurance. The compensation limit of compulsory traffic insurance is limited and relatively low, or you can opt for higher coverage.
I've owned a car for a few years now, and choosing the right insurance can make driving much more reassuring. There are several main types of car insurance: compulsory traffic insurance is mandatory by law—without it, you can't legally drive. Among commercial insurance options, third-party liability insurance is the most practical, covering damages you might cause to others in an accident. I recommend new drivers opt for higher coverage. Vehicle damage insurance covers repair costs for your own car, especially worthwhile for new cars. Theft insurance protects against car theft or robbery, but may be less necessary in secure areas. Additional options like glass insurance or no-deductible coverage are optional but beneficial for frequent drivers, as they waive your share of costs. Tailor your choices based on your car's condition, driving habits, and budget—don’t buy everything blindly. Consulting experienced drivers can also provide peace of mind.
