Is it true that the accident rate is lower if you only buy compulsory insurance?

Is it true that the accident rate is lower if you only buy compulsory 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.

单保交强险，车主要承担较大的赔偿风险，也会导致交通事故被害人权益得不到足够的保障。只选交强险这种投保车险的方式属于风险型投保，因为现在路堵车多，开车出事故概率较高，而交强险对于财产损失赔偿限额只有2000元。
如果发生伤残、死亡等事故，肇事车主赔偿费光靠交强险远远不够赔付。只有保险到位，车主才能放心上路。

Expanded Information:
车辆保险，即机动车辆保险，简称车险，也称作汽车保险。它是指对机动车辆由于自然灾害或意外事故所造成的人身伤亡或财产损失负赔偿责任的一种商业保险。汽车保险是财产保险的一种，在财产保险领域中，汽车保险属于一个相对年轻的险种，这是由于汽车保险是伴随着汽车的出现和普及而产生和发展的。
同时，与现代机动车辆保险不同的是，在汽车保险的初期是以汽车的第三者责任险为主险的，并逐步扩展到车身的碰撞损失等风险。
我国广泛开展的一项险种，是以汽车、电车、电瓶车、摩托车、拖拉机等机动车辆作为汽车保险标的的一种保险。车辆保险具体可分商业险和交强险。商业险又包括车辆主险和附加险两个部分。
商业险主险包括车辆损失险、第三者责任险、车上人员责任险、全车盗抢险。机动车辆损失险承保被保险车辆遭受保险范围内的自然灾害或意外事故，造成保险车辆本身损失，保险人依照保险合同的规定给予赔偿的一种保险。机动车辆第三者责任险，对被保险人或其允许的合格驾驶人员在使用保险车辆过程中发生意外事故，致使第三者遭受人身伤亡或财产损坏，依法应由被保险人支付的金额，也由保险公司负责赔偿。全车盗抢险系指
(一)在全车被盗窃、抢劫、抢夺的被保险机动车(含投保的挂车)
(二)被保险机动车全车被盗窃、抢劫、抢夺后，受到损坏或因此造成车上零部件、附属设备丢失需要修复的合理费用;
(三)发生保险事故时，被保险人为防止或者减少被保险机动车的损失所支付的必要的、合理的施救费用，由保险人承担，最高不超过保险金额的数额。三种情况下发生的损失可以赔偿。车上人员责任险系指保险车辆发生意外事故(不是行为人出于故意，而是行为人不可预见的以及不可抗拒的，造成了人员伤亡或财产损失的突发事件)，导致您车上的司机或乘客人员伤亡造成的费用损失，以及为减少损失而支付的必要合理的施救、保护费用，由保险公司承担赔偿责任。
附加险包括玻璃单独破碎险，车辆停驶损失险，自燃损失险，新增设备损失险，发动机进水险、无过失责任险，代步车费用险，车身划痕损失险，不计免赔率特约条款，车上货物责任险等多种险种。