我觉得除了购买交强险和车船税，像第三者责任险、划痕险、涉水险，您都是非常需要的。
wǒ juéde chúle gòumǎi jiāoqiángxiǎn hé chēchuánshuì ，xiàng dìsānzhězérènxiǎn 、huáhénxiǎn 、shèshuǐxiǎn ，nín dōu shì fēicháng xūyào de 。
I think that besides purchasing mandatory car insurance and vehicle and vessel tax, you also really need third-party liability insurance, collision, and water damage insurance.