In Luoyang, for self-drive or car-rental trips, how to configure insurance adequately?

[Direct conclusion] 【Self-drive/rental needs 'three layers': ① the vehicle's compulsory + damage + third-party (rental usually includes; own car per your policy); ② driver-passenger accident insurance (covers occupants); ③ personal travel accident (medical/acute, covers even off-vehicle). Key points to keep in mind: 1. They complement; none dispensable. 2. When renting, confirm 'no-deductible' and passenger cover; own car add 'driver accident'.】 Three layers: Four points: ◆ Car ins. 3. ≠ person ins.: car covers car, not full person. 4. ◆ Rental see deductible: pick no-deductible. Note: Report the incident right away and keep every receipt and medical record. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.