All vehicle insurance does not include personal accident insurance, only car seat insurance, and the insurance amount is relatively small. It is recommended to buy personal accident insurance. An ordinary life card (such as the life card of China Life Insurance) costs RMB 100 for one year, and the insured amount is RMB 88,000. The third liability insurance is to protect the third party, that is, to pay for the losses caused by the accident.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.