What types of insurance are generally required for car insurance?

[Walker]

Car insurance generally requires the purchase of the following types: 1. Compulsory Traffic Accident Liability Insurance: A mandatory insurance required by the state. 2. Vehicle Damage Insurance: After a traffic accident occurs, the insurance company provides compensation within a reasonable range. 3. Third-Party Liability Insurance: In the event of a traffic accident involving a motor vehicle that causes personal injury, death, or direct property damage to a third party, the insurance company is legally responsible for economic compensation within the covered scope. 4. No-Deductible Insurance: No-deductible insurance is an additional coverage to vehicle damage or third-party liability insurance. By purchasing this coverage, the car owner can be exempted from the responsibility of bearing the costs themselves due to a traffic accident and can receive 100% compensation.

[JasonLee]

With over a decade of driving experience, I've learned that choosing car insurance depends on personal needs, but there are a few essentials you must have. Compulsory traffic insurance is legally mandatory—you can't drive without it, or you'll face fines from traffic police. I always add third-party liability insurance with coverage starting at least at 500,000 yuan, so if I hit someone or damage their property, I'm covered without dipping into my own pocket. Vehicle damage insurance is also a must, especially for new cars or those used daily—it makes fixing minor scratches much easier. I also recommend no-deductible coverage, which means I don't pay a cent in case of an accident. For new cars, theft insurance is worth considering—though the risk is low, it's better to be safe. The key is not to skimp on these to save money; I've seen friends who only had compulsory insurance end up bankrupt after an accident. Remember to regularly check your policy coverage to ensure full protection.

[LaDaisy]

As a budget-conscious individual, my principle for car insurance is prioritizing cost-effectiveness. Compulsory traffic insurance is mandatory and unavoidable. Among commercial insurances, I always opt for third-party liability coverage with a sum insured of 300,000 to 500,000 yuan, as it offers high cost-effectiveness and covers risks of major accidents. For vehicle damage insurance, I consider the car's condition—older cars aren't worth it, and self-paid repairs are more economical. I assess regional risks to decide on adding theft insurance. I occasionally include no-deductible coverage if the premium is reasonable, but additional insurances like glass or scratch coverage, which have low probability, are skipped to save costs. Beginners might need more coverage, but experienced drivers like me only require core protections. Additionally, comparing quotes from different insurers and purchasing during discount seasons can help keep annual premiums under 2,000 yuan—no need to overspend.

[VanCamila]

When I first started learning to drive, I was completely confused about car insurance. Now I’ll briefly summarize the essential ones. Compulsory traffic insurance is a must—otherwise, driving without it is illegal, and the police will catch you. Third-party liability insurance is also necessary, as it protects you from paying for others’ injuries. Vehicle damage insurance covers your own car’s repair costs, which is worthwhile. I recommend adding a no-deductible clause to avoid the hassle of paying out of pocket for minor accidents. Others, like passenger liability or theft insurance, are optional. New drivers shouldn’t skimp on insurance—it’s easy to get into accidents, and the consequences can be dire. I initially went for cheap options and ended up paying dearly; now I buy all the necessary coverage. Just choose a reliable insurer and go for a basic package—no need to overthink it.

[MacJoy]

From a risk perspective, I prioritize legal liability coverage when purchasing auto insurance. Compulsory traffic insurance is mandatory to avoid fines and vehicle impoundment for non-compliance. For third-party liability insurance, I opt for a coverage of at least 500,000 yuan to feel secure, given the high legal compensation costs and significant financial risks from accidents, which protects you from bankruptcy. Comprehensive and theft insurance depend on circumstances but aren't core. Going without insurance invites endless trouble—once an accident occurs, massive compensation payments become uncontrollable. I recommend timely renewal to prevent policy lapses. Maintaining a good driving record to lower premiums is more practical for ensuring life stability.