Which insurances are mandatory for cars?

[DiThomas]

Mandatory insurances for cars include: 1. Compulsory Traffic Accident Liability Insurance: This is a legally required insurance in China that every car owner must purchase. It ensures basic insurance compensation in the event of a traffic accident; 2. Third-Party Liability Insurance: This insurance covers compensation for bodily injuries or direct property damage caused to individuals other than the driver and passengers of the insured vehicle in an accident, as stipulated by the insurance company; 3. Vehicle Damage Insurance. Automobile insurance, also known as motor vehicle insurance or simply car insurance, refers to a commercial insurance that covers liability for bodily injuries or property damage caused by natural disasters or accidents involving motor vehicles.

[SadieFitz]

As a newbie who just bought a car, I was initially confused about various insurances, but later learned from experience that the mandatory auto insurance is compulsory traffic insurance, which is legally required—without it, you can’t even register your car for the road. It mainly covers basic compensation for others, such as partial payouts if you hit someone in an accident. However, I strongly recommend adding third-party liability insurance with higher coverage, as driving in the city carries higher risks. In case of an accident involving luxury cars or severe injuries, it can save you from massive expenses. Also, comprehensive car insurance is worthwhile for new cars, covering all repair costs and avoiding out-of-pocket headaches. The premiums aren’t high—just around a thousand yuan a year—and buying them makes driving much more reassuring, especially for first-time drivers like me. In short, compulsory traffic insurance is the starting point, and supplementing it as needed is a good habit.

[StCamila]

As a veteran driver with decades of experience, I can't stress enough that compulsory traffic insurance is an absolute must for any vehicle—without it, you can't legally drive. Every vehicle inspection checks for this. But compulsory insurance alone isn't enough; third-party liability insurance is essential, especially for families like ours who frequently take long trips—coverage of over 1 million yuan is advisable. The compensation limits for accidents are low, and you'll need this coverage in case of injuries. Vehicle damage insurance is highly practical for protecting your car, making scratch and dent repairs hassle-free and cost-effective, especially with rising repair costs. Spending reasonably on insurance is far better than facing massive payouts. In daily driving, this combination can handle most risks. I recommend everyone regularly review their policies and adjust coverage based on the car's age—safety should always come first, no question about it.

[RebeccaDella]

After spending a lot of time in car forums, everyone always talks about how compulsory traffic insurance is the core legal requirement; every car owner must buy it to ensure basic compensation. But I think commercial insurance like third-party liability insurance is almost a must-have, protecting you from paying too much in case of an accident, with coverage preferably not less than 500,000. Comprehensive insurance depends on the situation—it's a wise investment for new cars. Scratches and spontaneous combustion insurance are optional, just tailor them to your actual needs. Spending a little on insurance buys great peace of mind—don’t regret it after an accident. Drive safely, and with these insurances, your journey will be more stable and reliable. Remember to compare quotes from multiple providers to save some money.