The central point of your sharing of the “culture of conscience” article is very clear: common domestic vehicle risk does not have to pursue full-scale risk, strong risk plus high risk is a fundamental and vital combination, covering the vast majority of major risks, and the blind purchase of additional risk is often a waste of money. I got you a clearer and more operational approach to the risk profile with the new 2026 and multidisciplinary information
I. A first reading of the core logic of vehicle insurance: safeguarding risks and taking small losses
The fundamental function of vehicle insurance is to divert significant risks (such as crashes, car crashes) that may be emptied of their homes, rather than scratching for hundreds of dollars. To understand that, you will not be confused by the appearance of “all-risk”。
Flowchart td
The core logic of vehicle insurance
- b
Significant risks of diversion
Like crashing people, crashing cars
A -- > c
Affordable small loss
Like little scratches and broken glass
B -- d
Priority security: high risk plus high risk 3
C--e
Precautionary purchasing: vehicle loss insurance
Old car/stepcar is considered for waiver
C -- f
Most of them don't have to buy them:
D -- g
Conclusion: ordinary home cars
The annual premium is $1500-2000
Over 90 per cent coverage of significant risks
️ key changes in the new vehicle insurance rules for the years 2 and 2026
In 2026, the new vehicle insurance rules were fully on the ground, and the core changes made it easier for “good drivers” to drive safely:
Insurance schemes for different owners
You can choose the most suitable option according to the value of the vehicle and your own circumstances。
Option 1: economically useful type (older vehicles/cars preferred)
Applicable population: old scooters with a vehicle value of less than 30,000 years old; old drivers, daily short-distance travel, few passengers。
Insurance portfolio:
Risk insurance (statutoryly compulsory, approximately 665-950 yuan/year)
Third-party liability insurance (with a strong recommendation of $3 million and a premium of approximately $400-500 per year)
Total annual premium: approximately $1100-1500
Advantages: high value for money, meeting legal access requirements, avoiding massive compensation for crashes, crashes and minor damage to vehicles at their own expense。
Caution: abandoning the risk of vehicle loss means that a single accident (e. G., a self-inflicted wall crash) requires repair of the vehicle at its own expense. A provision for emergency vehicle repairs is required。
Programme 2: comprehensive comfort (recommended for new vehicles/newers/high-value vehicles)
Applicable population: new vehicles, higher value of vehicles, new drivers, complex parking environments or frequent high-speed trips within three years。
Insurance portfolio:
We're on our own
Third person liability insurance (recommends a 3 million guarantee with a premium of approximately 400-500 yuan/year)
Vehicle loss insurance (priorties of approximately $1,500-2500/year, based on vehicle cost)
Liability insurance for out-of-service medical costs (additional insurance, approximately $50-80/year, strongly recommended plus)
Total annual premium: approximately 2500-3500
Advantages: to ensure comprehensive security, to protect both their own cars and each other's cars。
Caution: the premium is high, but it costs “real money”. There are already many additional risks involved in vehicle loss and loss insurance, which need not be repeated。
Programme 3: supplementary personnel (regular family trips)
(a) the applicable population group: often carrying family and friends, and driving long distances。
The insurance portfolio: on the basis of any of the above programmes, add:
Accident risk for driving (or 5-100,000 per vehicle for personnel liability)
Total annual premium: increase of $100-300
Advantages: short-term coverage of vehicles, with more flexibility and greater coverage of driving risks。
Iv. These types of insurance. Most cars are not bought at home
Car loss insurance (older vehicles/backwalkers): for older vehicles of long age and low residual value, the premium (perhaps 2000-3,000 dollars) is far greater than the value of the vehicle itself, and it is more economical to repair a single small accident at its own expense, or to raise the premium the following year after the risk。
Scratch: the premium is not low ($4,500), but a single painting is only 200 and 300, and the risk affects the following year's discount, which is totally uneconomical. New cars, luxury cars may be considered as appropriate。
Single glass break-ups, water-related risks, self-fire risk: these responsibilities have been integrated into the vehicle loss risk following the 2020 vehicle risk reform, and the purchase of these risk items alone would be a double consumption if they were not purchased。
Liability of personnel on board (seat risk): low coverage (10,000-50,000 per seat) and more restrictive. A more cost-effective option would be to purchase an accident risk, with a low premium (about $100), a high premium (between 500,000 and 1 million) and an unlimited vehicle。
Discretionary: after the new regulations of 2026, the three-person insurance has by default included liability without additional expense. Vehicle losses were similar。
Five, three advisories to protect the pit
Refusal to bind the “all-risk package”: the operator was given a clear message that “only high-risk + 3 million” would be bought and the rest would be rejected altogether. Regulation in 2026 strictly prohibits binding sales and you have the right to choose。
The insurance coverage for the three is modest: 2 million goes up to 3 million, and the premium is only $1,200 a year, but the ceiling is raised directly by 1 million. This is the most expensive input of all, and at a critical time it avoids the loss of property。
Small amounts are not reported as much as possible: minor accidents that cost less than $500 are recommended for self-sustainment. Maintaining a “without risk” record would save thousands of dollars and be more cost-effective in the long run。
Summary and recommendations for action
The nature of vehicle insurance is “to spend small money to protect the risk”. For the vast majority of ordinary family cars, especially old ones, risk insurance plus high coverage (3 million) is the most central and cost-effective combination, with annual premiums of around $1,500, sufficient to cope with the vast majority of major traffic accident risks。
In conclusion, i strongly recommend that you:
Check your current policy immediately: see how much insurance you spend each year, what insurance you cover, and whether you have an additional risk on the “rooster” side。
Upon expiration of the renewal of the insurance: inform the insurance company or the 4s store of your choice and reject the unnecessary insurance。
Safe driving: it's the key to saving money. There are zero violations and zero risk insurance, and the premium discounts are increasing。
I hope this comb helps you clear your mind and make the best choices you can make. If you can tell me the approximate value of your vehicle, its age and its main use, i can give you more specific advice。
