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What types of insurance should I purchase for my car?

2 Answers

AmaraMarie

07/29/25 6:38am

Generally, it is recommended to purchase comprehensive car insurance, which consists of basic insurance and additional coverage. This includes compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, no-deductible insurance, passenger liability insurance, spontaneous combustion insurance, water damage insurance, scratch insurance, standalone glass breakage insurance, and theft insurance. Below is an introduction to the coverage of each type of insurance: 1. Theft Insurance: Covers damage to the car during robbery or theft, including losses due to the entire vehicle being stolen, robbed, or seized, as well as damage or loss of vehicle parts and accessories. 2. Passenger Liability Insurance: Provides coverage for passengers in the vehicle, excluding the driver. 3. Water Damage Insurance: Covers losses caused by engine damage due to immersion in water. 4. Spontaneous Combustion Insurance: Covers losses caused by fire due to the vehicle's electrical system, wiring, fuel supply system, or gas supply system without external ignition sources. 5. Standalone Glass Breakage Insurance: Covers the standalone breakage of glass. 6. Scratch Insurance: Covers losses caused by intentional scratching of the vehicle.

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OwenDella

08/12/25 10:02am

I have some thoughts on buying car insurance. As someone who has been driving for several years, I believe it's important to choose based on your own needs. The most basic is compulsory insurance, which is legally required with no choice—low coverage but protects against paying others. In commercial insurance, I recommend getting third-party liability coverage of at least 1 million yuan, so you can afford compensation if you hit a car or person. Vehicle damage insurance is also a must, as repairs can be expensive if you damage your own car—not having it would hurt. Adding a no-deductible insurance can save you from paying out-of-pocket costs unnecessarily. If you often drive on rough roads or have a new car, glass insurance is also worth considering. In short, don’t just go for the cheapest option with only compulsory insurance—you’ll regret it if an accident happens. Regularly check if your policy coverage is sufficient, ask friends for company recommendations, and spending a little extra for peace of mind is key.

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