This is the insurance that the state must buy. If you don't buy it, the traffic police will deduct the fine when they find out. Insurance pays less, mainly for others, but not for your own car.

Third liability insurance

In the accident, the insurance company shall pay compensation for casualties or direct property losses other than the driver and passengers. The insurance company that is fully responsible for the other party can make full compensation, and the insurance company that is fully responsible for itself has a 20% exemption.

Automobile damage insurance

Car damage insurance pays for itself, especially for beginners, and scraping is inevitable. Buying this insurance can reduce your own losses.

Excluding deductible insurance

This kind of insurance is an additional risk. In many accidents, the insurance company has a deductible of 5-20%. If you buy deductible insurance, you can avoid these deductibles and get full compensation.

If there is a personal need, it can also increase the risk of scratches.