Can a car be driven without insurance?
3 Answers
Compulsory traffic insurance must be purchased, while ordinary commercial insurance can be freely chosen whether to buy or not. It is recommended that a car without compulsory traffic insurance should not be driven on the road. If caught by traffic police, the driver will face three penalties: first, the vehicle may be impounded; second, the compulsory traffic insurance must be back-paid; third, a fine of twice the premium of the compulsory traffic insurance will be imposed. The relevant introduction of compulsory traffic insurance is as follows: Introduction 1: The full name of compulsory traffic insurance is "Compulsory Motor Vehicle Traffic Accident Liability Insurance". It is a mandatory liability insurance provided by insurance companies to compensate for personal injuries, deaths, and property losses (excluding the vehicle's occupants and the insured) caused by the insured motor vehicle in a road traffic accident, within the liability limits. Introduction 2: Compulsory traffic insurance is China's first mandatory insurance system implemented by national law.
As a seasoned driver with years of experience, I can tell you this is not something to take risks with. Buying insurance is a must when driving on the road. In China, compulsory traffic insurance is mandatory, and if you're caught without it by the police, the penalties range from a fine of a few hundred yuan to having your vehicle impounded or even your driver's license revoked. It gets worse in case of an accident: you'll have to pay for car repairs and medical expenses out of pocket. I once witnessed a minor accident where a friend without insurance almost went bankrupt. Nowadays, with cameras everywhere, you can easily get caught just passing through a toll booth. My advice is not to skimp on this expense—get insured early for peace of mind, to protect yourself and avoid burdening your family. The consequences of an actual accident are something no one can bear, especially on highways where risks double. Safe driving should always come with solid protection.
As a young person who just got my driver's license, I initially found it troublesome too, but I learned my lesson the hard way. A few days after buying my car, I drove out of town without insurance and got stopped at the highway entrance, fined 500 yuan—I regretted it deeply. You must have insurance to drive; that's the law, and it's not just about the fine—if an accident happens, you're liable for all damages. Like my buddy's neighbor who hit a luxury car and ended up with massive debt because he was uninsured. Even if you're the best driver, you can't rule out someone else hitting you—there are so many unexpected things on the road. My advice to new drivers is to get insured from day one, don't take chances like I did. The money you 'save' could be better spent on something else—safety comes first, always.
