Can a broken windshield be claimed under compulsory traffic insurance?
1 Answers
No, compulsory traffic insurance does not cover damage to your own vehicle's glass, as it is designed to compensate for damage to third-party vehicles and individuals. To claim for vehicle damage, you must have purchased vehicle damage insurance. Compulsory traffic insurance is mandatory by the state and is required for legally driving on the road. Otherwise, according to the "Road Traffic Safety Law," the traffic management department of the public security authorities can impound the vehicle, require the owner to provide the corresponding license, registration, or complete necessary procedures, and may issue a warning or impose a fine ranging from 20 to 200 yuan. Compulsory Traffic Insurance for Automobiles: The full name of compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a mandatory liability insurance where the insurance company compensates, within the liability limits, for personal injuries, deaths, and property losses suffered by victims (excluding vehicle occupants and the insured) in road traffic accidents involving the insured vehicle. The premium is based on a nationally unified standard rate. However, the price of compulsory traffic insurance varies for different vehicle types, primarily influenced by the number of seats. Compared to the more than 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a broader range, including losses caused intentionally by the victim, the insured's own property damage, related arbitration and litigation costs, and certain indirect losses from accidents. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will compensate within the liability limits without any deductible or exemption. Introduction to Electronic Insurance Policies An electronic insurance policy refers to a digital policy issued by an insurance company using digital signature software and corporate digital certificates that comply with the PKI system, bearing the electronic signature of the insurance company. An insurance policy, abbreviated as a policy, is the formal written proof of the insurance contract between the insurer and the insured. It must fully record the rights, obligations, and responsibilities of both parties to the insurance contract. The contents of the insurance policy serve as the basis for both parties to fulfill their contractual obligations. The insurance policy is proof of the establishment of the insurance contract. Advantages of Electronic Insurance Policies: Saves paper resources by eliminating the need to print insurance proof labels; Time-saving and convenient, not restricted by time or location, with information universally accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating worries about loss. If a paper version is needed offline, it can be printed or mailed; Easy management, as electronic standardization makes it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.
