Can a Car Without Insurance Be Driven on the Road?
2 Answers
A car without insurance cannot be driven on the road. Reasons why vehicles must be insured: According to Article 98 of the Road Traffic Safety Law: If the owner or manager of a motor vehicle fails to insure the vehicle with compulsory third-party liability insurance as required by the state, the traffic management department of the public security organ shall detain the vehicle until the insurance is purchased, and impose a fine of twice the amount of the minimum liability limit premium that should be paid. The Compulsory Insurance Regulations also have relevant provisions. If an uninsured vehicle causes a traffic accident on the road, the motor vehicle party shall bear the liability within the compulsory insurance limit, and the excess shall be shared according to the proportion of liability. In case of a traffic accident causing casualties, it is recommended to call the police, have the traffic police inspect the scene, issue an accident liability determination, and divide the responsibility for compensation. Types of vehicle insurance: In China, auto insurance is mainly divided into two categories: compulsory traffic accident insurance and commercial insurance. The role of vehicle insurance: The main role of auto insurance is that if a motor vehicle is damaged due to natural disasters or accidents during use, the compensation for the loss is difficult to be covered by the owner themselves. If the owner chooses to purchase the corresponding auto insurance, these losses will be promptly compensated by the insurance company through claim services, which is also the significance of auto insurance. Auto insurance is a way of risk transfer, with the insurance company as the transferee to share the risk of the policyholder.
I deeply resonate with this issue. Driving without insurance? Absolutely not! The law clearly stipulates that all vehicles must have compulsory traffic insurance before they are allowed on the road. If you drive without it and get caught by traffic police, you'll face fines of thousands of yuan, or even have your vehicle impounded and points deducted—the consequences are severe. Even scarier is if you're involved in an accident, whether hitting someone or causing vehicle damage, you'll have to pay out of pocket—potentially hundreds of thousands, wiping out a lifetime of savings. I have a friend who skipped renewing insurance to save trouble and ended up paying their family's entire savings after a minor accident—regretting it deeply. So, for safety and compliance, get insured immediately—don't gamble with luck. Before daily drives, check your policy's validity to ensure coverage—it's both peace of mind and cost-effective.
