What types of car insurance should be purchased?

[VonDakota]

The following are some types of insurance that should be purchased: 1. Compulsory Traffic Insurance (CTI): First is the Compulsory Traffic Insurance. CTI is a mandatory insurance that must be purchased for motor vehicles. It provides compensation by the insurance company for losses and casualties caused by traffic accidents involving the insured vehicle. This must be purchased and cannot be arbitrarily canceled. Once canceled, it is illegal. 2. Vehicle Damage Insurance: Vehicle Damage Insurance refers to compensation provided by the insurer according to the contract when the insured vehicle suffers damage due to natural disasters or accidents within the scope of insurance liability. However, natural disasters here include earthquakes. 3. Third-Party Liability Insurance: This insurance is abbreviated as 'TPL Insurance.' It refers to compensation provided by the insurance company when the owner or an authorized qualified driver causes injury to a third party or damage to property in a traffic accident during the use of the vehicle. The coverage limit of this insurance is selected by the owner, i.e., the insured. 4. Passenger Liability Insurance: This insurance is also known as 'Seat Insurance' or 'Passenger Insurance,' and it is responsible for compensating injuries to specified seat occupants caused by the insured vehicle. The owner can set the compensation limit for each seat as needed. This insurance is equivalent to accidental injury insurance.

[EstherRose]

I've been driving for ten years, so I have plenty of experience with car insurance. Compulsory insurance is a must-have for driving on the road. For commercial insurance, I highly recommend third-party liability insurance—with so many luxury cars on the road these days, a coverage of at least 2 million is essential for peace of mind. Vehicle damage insurance is also a must; it saves you from worrying about repair costs if you accidentally scratch your car. I always opt for passenger liability insurance for all seats—it’s all about safety. Many people overlook medical expense insurance for non-covered drugs, but it’s a lifesaver in accidents requiring out-of-pocket medications. As for minor add-ons like scratch insurance, I usually skip them—handling small scratches myself is more cost-effective. Smart insurance choices make for worry-free driving.

[VeraFitz]

When I first bought a car, I was totally confused about insurance, but now I finally understand it. Compulsory traffic insurance is a must-have, as important as an ID card. For commercial insurance, the most practical is vehicle damage insurance, especially for new car owners—it covers scratches and dents. I opted for 1.5 million in third-party liability insurance, just in case I accidentally bump into a Rolls-Royce. The no-deductible insurance is particularly useful because it ensures the insurance company pays out what they should. I only bought seat insurance for the driver since my family members already have accident insurance. As for glass insurance or spontaneous combustion insurance, I skipped those—the chances are too low. Isn’t it better to save some money for gas? Newbies just need to remember these points.

[VanAutumn]

My family car is mainly used to transport elderly and children, so I've researched insurance options thoroughly. Compulsory traffic insurance is mandatory by the state, so that goes without saying. Vehicle damage insurance is a must, as elderly passengers are prone to bumps and bruises. I've opted for third-party liability coverage of 3 million yuan, given how many pedestrians jaywalk these days. Every seat has liability insurance because family safety is paramount. I've added accident medical supplementary insurance for the whole family in case we need imported medications. Engine flooding insurance is specifically for the rainy season, as our area often has waterlogging in summer. I skipped scratch insurance since a full repaint would be more cost-effective when the paint gets old. Buying insurance is all about peace of mind.

[RuthRose]

After repairing cars for twenty years, I've seen too many car owners suffer losses from not buying the right insurance. Everyone knows the basic compulsory traffic insurance. Let me focus on commercial insurance: Third-party liability insurance is a must, and I recommend starting with a coverage of at least 2 million. Vehicle damage insurance is essential for new cars, but after three years, decide based on the car's condition. No-deductible insurance makes claims much easier. Passenger liability insurance is flexible as it's purchased per seat. Scratch insurance is useful for black cars but less necessary for other colors. Spontaneous combustion insurance is advisable for older cars, but remember that regular maintenance is even more crucial. The key is to consult multiple insurance companies, as some add-ons are bundled sales and unnecessary—don't waste your money.

[DelMichael]

As a claims adjuster dealing with accidents daily, here are some key reminders. Compulsory traffic insurance is a legal must. For commercial insurance, prioritize third-party liability coverage – anything below 1.5 million yuan is inadequate nowadays. Vehicle damage insurance should match your car's value; it's recommended for vehicles over 100,000 yuan. The no-deductible coverage is particularly crucial – many clients regret not adding it during claims. Seat insurance is optional, but recommended if you frequently carry passengers. As for water damage coverage, southern drivers should consider it, especially during typhoon season. Always clarify policy terms before signing – some companies split liabilities finely, appearing cheaper but creating claim obstacles. Never sign until all clauses are explained on-site.