Can a car be driven on the road with only compulsory traffic insurance?
2 Answers
A vehicle can be driven on the road with only compulsory traffic insurance, as this is the only insurance mandated by the state. Without it, the vehicle cannot legally operate on the road. According to the "Road Traffic Safety Law," the traffic management department of the public security authority should impound the vehicle, notify the owner to provide the corresponding license, registration, or complete the necessary procedures, and may issue a warning or impose a fine ranging from 20 to 200 yuan. Compulsory Traffic Insurance for Vehicles: 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 victims (excluding vehicle occupants and the insured) for personal injuries, deaths, and property losses caused by road traffic accidents within the liability limits. The premium is based on a nationally unified standard, but prices vary depending on the vehicle type, primarily influenced by the number of seats. Compared to the over 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a broader range, including losses caused by intentional acts of the victim, the insured's own property losses, related arbitration and litigation costs, and some indirect losses from accidents. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will provide compensation within the liability limits, with no deductible or exemption. Introduction to Electronic Insurance Policies: An electronic insurance policy is a digital policy issued by an insurance company using digital signature software and an enterprise digital certificate that complies with the PKI system, bearing the electronic signature of the insurer. 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. The content of the policy serves as the basis for both parties to fulfill their contractual obligations. The policy is proof of the establishment of the insurance contract. Advantages of Electronic Insurance Policies: Saves paper resources, eliminating the need to print insurance proof labels; Saves time and is convenient, not restricted by location or time, with information accessible online anytime, quickly and easily; Allows for reissuance or resending, eliminating worries about loss. If a paper version is needed offline, it can be printed or mailed; Facilitates management, as electronic unification makes it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.
As a driver with years of experience, I clearly know that a car can legally be driven on the road with only compulsory traffic insurance, as national laws mandate this insurance before you can drive. But honestly, relying solely on it is quite risky. Compulsory insurance only covers compensation when you hit someone else, not the damage to your own car. I’ve personally seen a neighbor get into an accident where he was fully at fault—he only paid the other party’s medical bills, while his own car repairs cost him 8,000 yuan. Had he purchased commercial insurance like vehicle damage insurance, the insurer would have covered all of it. So, I advise everyone not to overlook safety just to save on premiums. Adding third-party liability insurance costs just a few dozen yuan a month, giving you peace of mind while driving. After all, accidents are unpredictable—don’t lose big by skimping small. Remember to regularly check your insurance policy to ensure compliance and peace of mind.
