Which types of car insurance are the most practical to buy?

[McAshlyn]

Car insurance can be covered by purchasing four types of insurance: vehicle damage insurance, third-party liability insurance, no-deductible special coverage, and compulsory traffic insurance. Below is more related information: 1. Vehicle Damage Insurance: Vehicle damage insurance provides compensation for losses to your own vehicle. The premium for this insurance is closely related to the purchase price and the number of seats in the car. In other words, the higher the car's value, the higher the premium. After purchasing this insurance, the owner does not need to bear the cost of repairs, making it a crucial insurance for the vehicle itself. Additionally, vehicle damage insurance covers accidental traffic accidents within its compensation scope. 2. Third-Party Liability Insurance: Like compulsory traffic insurance, third-party liability insurance compensates the affected third party, essentially serving as a supplement to compulsory traffic insurance. 3. No-Deductible Special Coverage: In the event of a claim under vehicle damage insurance or third-party liability insurance, this insurance covers the deductible amount that the policyholder would otherwise have to bear, with the insurance company responsible for the compensation. 4. Compulsory Traffic Insurance: Traffic regulations stipulate that every car must pay an annual fee, which is compulsory traffic insurance. If this insurance is not paid and the car is found on the road, the driver will face fines and penalty points. Additionally, after purchasing compulsory traffic insurance, an insurance label is provided, which must be displayed on the car's front windshield. Failure to display this label will result in fines and penalty points.