Can a car without insurance be driven on the road?
2 Answers
No, you cannot drive without insurance. The mandatory insurance that must be purchased for a car is the Compulsory Traffic Accident Liability Insurance, commonly known as the compulsory insurance, which is a state-mandated auto insurance. Types of car insurance: 1. Compulsory insurance: This is a mandatory insurance in China and is a type of coverage that all vehicles must purchase. 2. Third-party liability insurance: Since the compensation amount of the compulsory insurance is limited, purchasing third-party liability insurance can cover the portion that exceeds the compulsory insurance's compensation limit. 3. No-deductible insurance: This is an independent basic insurance type, while no-deductible insurance is an additional coverage for cars. 4. Vehicle damage insurance: Vehicle damage insurance is undoubtedly the most comprehensive necessary insurance type, covering damages such as collisions, scratches, and water damage, all of which can be compensated by the insurance company.
From my years of driving experience, you should never drive a car without insurance. In most places, car insurance is legally mandatory, such as compulsory traffic insurance which is a must. If you drive without insurance and get caught by traffic police, not only will you be fined hundreds to thousands of yuan, but your driver's license may also be penalized with points or temporarily suspended. More seriously, in case of an accident, no insurance means you'll have to cover all the compensation costs personally. Even a minor scratch could cost you tens of thousands, potentially bankrupting you. I know a friend who skipped buying insurance to save money, ended up rear-ending another car, had to pay for the repairs, and even got sued, which completely ruined his life. So, every time I service my car, I check if the insurance policy is expired. Before hitting the road, I remind myself never to joke about safety. Buying insurance isn't just about passing inspections—it's about adding a layer of protection for yourself and others on the road.
