中文版

为什么只买交强险？

在车辆保险市场中，交强险是每一位车主都必须购买的法定保险。然而，有些车主在选择车险时，只选择购买交强险，这背后有哪些原因呢？

首先，交强险是法律规定的强制保险，购买交强险是车主履行法定义务的必要步骤。根据相关法律法规，未购买交强险的车辆是不允许上路行驶的。因此，对于许多车主来说，购买交强险是确保车辆合法上路的基本前提。

其次，交强险的保费相对较低，对于预算有限的车主来说，购买交强险是一个经济实惠的选择。虽然交强险的保障范围相对有限，主要覆盖因被保险车辆发生交通事故造成受害人的人身伤亡和财产损失，但对于许多车主而言，这已经能够满足基本的保障需求。

此外，一些车主可能认为自己的驾驶技术过硬，不太可能发生交通事故，因此只购买交强险以应对可能的意外情况。他们可能觉得购买其他商业车险是多余的，因为平时驾驶比较小心，出险的概率较低。

然而，虽然只购买交强险能够满足一些车主的基本需求，但在实际操作中，建议车主还是根据自身情况和风险承受能力，选择购买适当的商业车险。商业车险可以提供更全面的保障，包括车辆损失、第三者责任险等，能够更好地保护车主的权益。

综上所述，只买交强险的原因多种多样，既有法律规定的要求，也有车主个人选择的因素。但无论如何，车主在选择车险时，应充分考虑自身需求和风险承受能力，做出明智的选择。

英文版

Why Only Purchase Compulsory Traffic Insurance?

In the vehicle insurance market, compulsory traffic insurance is a mandatory insurance that every car owner must purchase. However, some car owners choose to only buy compulsory traffic insurance when selecting their vehicle insurance. What are the reasons behind this?

Firstly, compulsory traffic insurance is a legally required insurance, and purchasing it is a necessary step for car owners to fulfill their legal obligations. According to relevant laws and regulations, vehicles without compulsory traffic insurance are not allowed to drive on the road. Therefore, for many car owners, purchasing compulsory traffic insurance is a basic prerequisite to ensure that their vehicles can legally drive on the road.

Secondly, the premium for compulsory traffic insurance is relatively low, making it an economical choice for car owners with limited budgets. Although the scope of coverage of compulsory traffic insurance is relatively limited, mainly covering personal injury and property damage caused by the insured vehicle in a traffic accident, it can meet the basic protection needs of many car owners.

Furthermore, some car owners may believe that their driving skills are excellent and it is unlikely that they will be involved in a traffic accident. Therefore, they only purchase compulsory traffic insurance to deal with potential unexpected situations. They may consider purchasing other commercial vehicle insurances redundant as they drive carefully and have a low risk of accidents.

However, while only purchasing compulsory traffic insurance may meet the basic needs of some car owners, it is recommended that car owners choose appropriate commercial vehicle insurances based on their individual situations and risk tolerance. Commercial vehicle insurances can provide more comprehensive coverage, including vehicle loss, third-party liability insurance, etc., better protecting the rights and interests of car owners.

In summary, there are various reasons for only purchasing compulsory traffic insurance, ranging from legal requirements to personal choices of car owners. However, regardless of the reasons, car owners should fully consider their needs and risk tolerance when selecting vehicle insurance and make wise choices.