Which Car Insurances Should I Buy?
2 Answers
Car insurances to buy include compulsory traffic insurance, vehicle damage insurance, and third-party liability insurance. Below are the considerations when purchasing car insurance: 1. Purchase channels: Pay attention to selecting legitimate channels, choosing insurance companies with legal qualifications and agents who possess professional qualification certificates, practice licenses, and have formal agency contracts with insurance companies. 2. Consider personal needs: Pay attention to selecting insurance products based on actual personal needs and fully understand the terms and conditions of motor vehicle insurance. 3. Important document usage: Pay attention to the use and safekeeping of important insurance documents, fulfill the obligation of truthful disclosure, pay insurance premiums on time, and agree with the insurance company on dispute resolution methods for the contract.
When it comes to buying car insurance, I believe the key is to focus on safety and practicality. Compulsory traffic insurance is a must-have as it's legally required and covers basic third-party liability. Don't skimp on third-party liability insurance, especially in big cities—it covers damages if you hit another vehicle or person, and I'd recommend opting for coverage of 2 million yuan or more for peace of mind. Vehicle damage insurance is also worth considering, particularly if you have a new or used car, since repair costs can be steep—it covers your own vehicle's damages. Additionally, theft insurance is quite useful in urban areas; if parking conditions are unpredictable, adding this coverage is a smart move. I also recommend getting a no-deductible insurance add-on, otherwise you'll have to pay a portion of the costs out of pocket in case of an accident. Remember to review your policy regularly and don't forget to renew it. I learned all this through a few minor accidents—it doesn't cost much but the peace of mind is priceless.
