Can Compulsory Traffic Insurance Be Used for Vehicle Scratches?

[MacEverly]

If your own vehicle is scratched, you cannot claim under the compulsory traffic insurance. However, if a third-party vehicle is scratched, you can use the compulsory traffic insurance because it covers damages to third-party vehicles and individuals. Damage to your own vehicle can only be claimed if you have purchased additional vehicle damage insurance. Compulsory traffic insurance is mandatory by law, and without it, you cannot legally drive on the road. Otherwise, according to the Road Traffic Safety Law, the traffic management authorities can impound the vehicle, require the owner to provide the necessary documents or complete relevant 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 Motor Vehicle Traffic Accident Liability Insurance.' It is a mandatory liability insurance where the insurer compensates victims (excluding vehicle occupants and the insured) for personal injuries, deaths, or property losses caused by road traffic accidents within the liability limits. The premium is based on a nationally unified standard, but the price varies depending on the vehicle type, mainly influenced by the number of seats. Compared to commercial third-party liability insurance, which has over 20 exemption clauses, compulsory traffic insurance has a broader coverage, excluding only losses caused intentionally by the victim, the insured's own property losses, related arbitration and litigation costs, and certain indirect losses. Additionally, regardless of fault in the accident, compulsory traffic insurance provides compensation within the liability limits without deductibles or exemptions. Introduction to Electronic Insurance Policies An electronic insurance policy is a digital policy issued by an insurance company using digital signature software compliant with the PKI system and an enterprise digital certificate, bearing the insurer's electronic signature. An insurance policy, or simply a policy, is the formal written proof of the insurance contract between the insurer and the insured. It fully records the rights, obligations, and responsibilities of both parties and serves as the basis for fulfilling the contract. The insurance policy is evidence of the establishment of the insurance contract. Advantages of Electronic Insurance Policies: Saves paper resources by eliminating the need to print physical insurance certificates; Time-saving and convenient, accessible anytime and anywhere, with information readily available online; Allows for reissuance and resending, eliminating concerns about loss—physical copies can still be printed or mailed if needed; Simplifies management, as digitization makes it easier for insurance companies and traffic police to manage vehicle insurance information uniformly.