Which Types of Car Insurance Are Necessary to Purchase?
2 Answers
Car insurance needs to be selected based on the owner's usage. The following details some types of car insurance: 1. Types: Car insurance is divided into compulsory traffic insurance and commercial car insurance. Compulsory traffic insurance is mandatory and must be purchased. 2. Commercial Car Insurance: Commercial car insurance is divided into basic insurance and additional insurance. The more important basic insurance types are third-party liability insurance and vehicle damage insurance, which are the two types of car insurance that most owners need to purchase. 3. Other Situations: If the parking environment is not ideal and the risk is relatively high, theft insurance should also be considered. If you are in a humid and rainy area, then spontaneous combustion insurance and water damage insurance should be purchased.
After driving for so many years, I think the most essential car insurance to buy is compulsory traffic insurance, which is required by the state—you can't drive without it, or you'll face fines. Additionally, getting third-party liability insurance is crucial. If you accidentally hit someone while driving, it can help cover medical expenses, and opting for higher coverage provides extra peace of mind. Vehicle damage insurance is also worth it—like the time I scraped my car against a wall, and the repairs cost over 2,000 yuan, all reimbursed by insurance, saving me a lot of hassle. As for other types of insurance, it depends on your situation: for new cars, consider theft insurance to avoid the heartache of a stolen vehicle; if you frequently drive long distances, opt for passenger liability insurance to protect yourself and your passengers. Don’t skimp on insurance—it can be a lifesaver in critical moments. I’ve relied on it to avoid several unexpected losses myself, so I recommend spending a little extra time comparing quotes when renewing your policy each year.
