Is it okay to buy car insurance with only compulsory insurance and not commercial insurance?

Is it okay to buy car insurance with only compulsory insurance and not commercial insurance?

It has been 2022, there are still a lot of friends do not know how to buy car insurance is the most cost-effective, spend a lot more money, today we take two policies to tell you about the
First of all, compulsory insurance must be purchased, do not buy can not go on the road, but the compulsory insurance coverage is only a poor 200,000, the occurrence of a slightly larger traffic accidents, we have to pay out of pocket.
So, we need to purchase commercial insurance as a supplement, let's look at the first policy, this friend has purchased vehicle occupant liability insurance, the cost of the driver and passengers totaled $213, and also purchased the third party 2 million and car damage insurance, I think it is already fully insured, but I recommend replacing the vehicle occupant liability insurance with driver's license insurance, and as for why, let's look at the next policy.
This friend purchased car damage insurance 3 million for a triple, driver's liability insurance 79 with 30,000 coverage, passenger liability insurance 30,000 per seat with a premium of 311, and spent $390 just on the vehicle's occupant liability insurance.
What I did not expect is that the insurance company also added the friend of the driving insurance, obviously you can see that the driving insurance coverage is higher, accidental injury medical care up to 300,000, accidental death and disability and 300,000, as well as accidental hospitalization allowance, no matter in the process of driving, or outside the car in the event of an accident, can be compensated, but the premiums are only less than 400 bucks, compared to the car personnel The premium is less than $400, which is much more cost-effective than the vehicle occupant liability insurance.
However, in this policy, this friend has purchased both vehicle occupant liability insurance and driver's insurance, which costs him nearly $400 more. In fact, we can just purchase the driver's insurance with a higher coverage because in the event of a traffic accident, if there is any medical loss, according to the principle of non-profit making, the total reimbursement of the two types of insurance should not be more than the actual expenses incurred.
Many friends are entangled in whether or not to purchase liability insurance for medication outside of health insurance? Xiao Zeng think there is no need, social security catalog within the two categories of oil, including Class A drugs 100% reimbursement, Class B need to be self-funded 10%-50%, medical insurance outside the drug refers to Class C drugs, and traffic accidents with the drug is mainly Class A and Class B, Class C drugs used very little, the specific reasons why we look at the screenshot after looking at this picture.
So, the only auto insurance we need to buy is compulsory insurance car damage insurance 2 million for the third party, and driver's insurance. When you meet a salesman who adds both driver's and passenger's insurance, just choose one of them.

可以只交强险不交商业险。
交强险，全称为机动车交通事故强制保险，是国家法规规定必须要购买的，保费标准全国统一。机动车所有人、管理人未按照规定投保机动车交通事故责任强制保险的，由公安机关交通管理部门扣留机动车，通知机动车所有人、管理人依照规定投保，处依照规定投保最低责任限额应缴纳的保险费的2倍罚款。机动车所有人、管理人依照规定补办机动车交通事故责任强制保险的，应当及时退还机动车。
机动车交通事故责任强制保险按机动车种类、使用性质分为家庭自用汽车、非营业客车、营业客车、非营业货车、营业货车、特种车、摩托车和拖拉机8种类型。

车辆保险，只买交强险，不买商业险可以吗？

当然可以。

因为，只有交强险是国家规定强制入的保险。全称是机动车交通事故责任强制保险，简称三责险。顾名思义，是赔偿第三方损失的保险。并不赔自己这一方。而商业保险，是客户根据自己需要，自行购买的。

商业保险包括了保自己车辆责任的保险，保自己车上人员的保险，还包括了第三方责任的保险。

保自己车辆责任的保险包括车损险、盗抢险、涉水险、自燃险、玻璃单独破碎险、指定专修险、不计免赔责任险。主要作用就是出现事故时，自己车辆损坏造成的损失，保险公司予以赔偿。

保车上人员的保险，简称座险。是自己车上的驾驶员和乘客发生医疗费用，意外伤害责任时，保险公司予以赔偿的保险。

第三方责任保险，又称商业三责险。既然，交强险的保险责任也是这个，是不是就不需要买商业三责险了？交强险在己方全责的条件下，最高赔偿12.2万。包含了全部的意外伤害责任，医疗责任，车辆损失责任。而现在的交通事故，一个人员伤亡需要赔偿多少？恰恰是，交强险不足以赔偿，所以才需要选择投保商业三责险。商业三责险的保额有10万，20万，30万，50万，100万等不同额度，可供选择。

了解了交强险和商业险的保险责任，您可以根据自己的需要选择合适的保险了。