The insurance coverage for new vehicles must be based on the principles of “compulsory insurance, core commercial insurance guaranteed, and needs-based additional insurance” and prioritize coverage of risk insurance, vehicle loss and damage, triple risk and non-compensation insurance, combined with additional insurance such as site selection and personnel insurance。
As a form of compulsory national risk insurance, the “passport” where new vehicles are legally routed provides the basis for compensation to third parties in an accident; the vehicle risk covers the loss of vehicles by collisions, natural disasters, etc., and, following the 2025 reform, combines seven additional responsibilities, such as self-fire, water, etc., which are key to reducing the cost of repairing vehicles for inexperienced newcomers; the risk is complementary to the risk risk, with the first and second-line cities recommending a $2 million to 3 million margin to avoid economic pressure as a result of large third-party payments; and failure to avoid the risk would eliminate the liability-exempting ratio and would allow insurance companies to pay their full liability. If the new car is often parked in an open parking lot or if it is prone to minor scratches, additional risk insurance is provided, and if the family and friends are frequently picked up, the person on the vehicle can provide security for the personal safety of the person in the vehicle。
As a form of compulsory national risk insurance, the “passport” where new vehicles are legally routed provides the basis for compensation to third parties in an accident; the vehicle risk covers the loss of vehicles by collisions, natural disasters, etc., and, following the 2025 reform, combines seven additional responsibilities, such as self-fire, water, etc., which are key to reducing the cost of repairing vehicles for inexperienced newcomers; the risk is complementary to the risk risk, with the first and second-line cities recommending a $2 million to 3 million margin to avoid economic pressure as a result of large third-party payments; and failure to avoid the risk would eliminate the liability-exempting ratio and would allow insurance companies to pay their full liability. If the new car is often parked in an open parking lot or if it is prone to minor scratches, additional risk insurance is provided, and if the family and friends are frequently picked up, the person on the vehicle can provide security for the personal safety of the person in the vehicle。
Other hazards can also be supplemented by the actual use of the car scene for new drivers where economic conditions permit. For example, if vehicles are often parked by unattended roads or in complex security areas, full-car theft insurance can provide compensation in the event of vehicle theft; if vehicles are often travelling at rocky or high speed, single glass break-ups cover windshields or windshields or windows are accidentally broken. However, it should be noted that, following the vehicle loss and loss insurance reform in 2025, self-fire risk, water risk, etc. Have been incorporated into the main risk and need not be purchased separately to avoid duplication of insurance and waste。
The three-person insurance option needs to be combined with urban road conditions and economic capacity. With high vehicle density and high maintenance costs, it is proposed to select 2 million or 3 million, while cities on the 3rd and 4th lines can select between 1 million and 2 million, depending on the situation, to ensure that third-party losses beyond greater risk are covered in the event of a major accident. Without taking into account the coverage rate as an additional risk, typically 15-20 per cent of the cost of the primary risk premium, it is possible to avoid the amount of the exemption resulting from the rate of liability for accidents, albeit at a small cost, and has a high value for starters。
The coverage of vehicle personnel insurance includes drivers and passengers, with a flexible choice based on the number of people in the vehicle, usually ranging from 10,000 to 50,000 per seat. In the case of new drivers driving on a regular basis on their own, the focus is on raising the driver's premium, and in the case of frequent rides of family members and friends, it is recommended that all seats be insured to cover the full personal risk of persons in the vehicle. The insurance premium for scratching is usually around $500 per year and is suitable for new vehicle owners to respond to accidental scratches during parking, and if the vehicle has its jacket on it, it may be purchased on the basis of its protective capacity。
The security needs to be balanced with the budget when the new owner is insured. Risk insurance, vehicle loss and loss insurance and non-compensation insurance are the underlying combinations that cover most of the core risks; additional risks, such as scratching and vehicle personnel insurance, can be flexiblely supplemented by the parking scene. Through a reasonable combination of insurance and insurance, it would provide comprehensive protection for new vehicles while avoiding unnecessary premium expenditures and making new drivers more secure。
