What Types of Insurance Are Included in Comprehensive Auto Insurance?
3 Answers
Generally, comprehensive auto insurance includes the following types of coverage: compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, vehicle theft insurance, passenger liability insurance, spontaneous combustion insurance, and no-deductible special insurance. Compulsory Traffic Insurance: This is a mandatory insurance required by the state. If you fail to purchase compulsory traffic insurance as required, the traffic management department has the right to impound the vehicle and impose a fine of twice the amount of the insurance premium. Third-Party Liability Insurance: Commercial third-party liability insurance covers personal injury or direct property damage to individuals outside the insured vehicle caused by an accident for which the driver is responsible. The insurer will compensate according to the terms of the insurance policy. Vehicle Damage Insurance: This covers losses to the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of the insurance policy. The insurer will compensate according to the terms of the insurance policy. Vehicle Theft Insurance: This covers losses due to the theft of the entire insured vehicle. Passenger Liability Insurance: If an accident causes injuries to passengers in the insured vehicle, the insurance company will be responsible for compensation. Spontaneous Combustion Insurance: This covers losses to the insured vehicle caused by spontaneous combustion due to faults in the electrical system, fuel system, or the ignition of transported goods. No-Deductible Special Insurance: By purchasing this coverage, you can receive full compensation for the corresponding insurance types. For example, if an accident covered by vehicle damage insurance or third-party liability insurance occurs, the insurance company will compensate for the deductible amount that the insured would otherwise have to bear. Glass Breakage Insurance: If the vehicle's glass breaks or shatters while parked or in use, and no other part of the vehicle is damaged, the insurance company will cover the loss for the glass.
With over a decade of driving experience, I can say that comprehensive car insurance is actually a package of multiple coverages, not just one policy. The most common ones include: compulsory traffic insurance (mandated by the state) covering basic third-party liability; vehicle damage insurance protecting your car against collision or natural disaster losses; third-party liability insurance that enhances compensation limits (crucial when causing injuries or major vehicle damage); passenger liability insurance for occupants; theft coverage for stolen vehicles; plus specialized protections like separate glass breakage and spontaneous combustion coverage – meaning you won't pay out-of-pocket for a shattered windshield. I always add a no-deductible rider at renewal to avoid cost-sharing during claims. While comprehensive insurance costs more, the peace of mind justifies it. New owners should scrutinize policy details with insurers rather than judging by names alone, tailoring choices to their driving patterns and risk exposure.
When I bought my first car, I was also confused. Later, a friend told me that comprehensive insurance generally includes compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, and other basics. Compulsory traffic insurance is mandatory, similar to a basic safety net in traffic accidents; vehicle damage insurance is practical for covering your own car repair costs; third-party insurance increases the compensation limit to avoid legal issues from large claims; passenger liability insurance is important, especially when driving with family for peace of mind. Some policies also include theft or water damage coverage. I chose a reliable insurance company and regularly review my policy to avoid overpaying for unnecessary coverage. Now that my car is in average condition, I skipped the glass insurance, but it's essential to check for any changes in coverage items during annual renewal.
