汽车为什么要买保险？

汽车保险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。购买汽车保险可以为车主提供保障，减少因车辆事故造成的经济损失。以下是一些关于汽车为什么要买保险的理由及其英文翻译：

1. 提供经济保障：汽车保险可以在车辆发生事故时，为车主提供经济保障。如果车辆被盗、损坏或发生交通事故，保险公司会赔偿车辆维修费用、医疗费用等经济损失。英文翻译：Provide financial security: Auto insurance can provide financial security for car owners when accidents occur. If a car is stolen, damaged or involved in an accident, the insurance company will compensate for the economic losses of vehicle repairs, medical expenses, etc.
2. 降低风险：购买汽车保险可以降低车主的风险。如果没有保险，车辆发生事故后，车主需要自己承担经济责任和法律责任。而购买保险后，这些风险将由保险公司承担。英文翻译：Reduce risk: Buying auto insurance can reduce the risks for car owners. Without insurance, if a vehicle is involved in an accident, the owner will have to bear the economic and legal responsibility themselves. With insurance, these risks will be borne by the insurance company.
3. 法律规定：购买汽车保险是法律规定的要求。在中国，车辆必须购买交通事故责任强制保险（交强险）和商业保险（如第三者责任险、车损险等）。这些保险可以为车主提供必要的保障。英文翻译：Legal requirement: Buying auto insurance is a legal requirement. In China, vehicles must purchase compulsory traffic accident liability insurance (traffic accident liability insurance) and commercial insurance (such as third-party liability insurance, vehicle damage insurance, etc.). These insurances can provide necessary protection for car owners.