Can I Claim Compulsory Traffic Insurance for Self-Inflicted Reverse Scratches?
2 Answers
No, you cannot. The Compulsory Traffic Insurance (CTI) does not cover damages you caused to your own vehicle, as CTI is designed to compensate third-party vehicles and individuals. To claim for vehicle damage, you must have purchased a separate vehicle damage insurance policy. CTI is a mandatory insurance required by the state, and without it, you cannot legally drive on the road. According to the "Road Traffic Safety Law," the traffic management department of the public security authorities may detain the vehicle, notify the party to provide the corresponding license, mark, or complete the necessary procedures, and may issue a warning or impose a fine ranging from 20 to 200 yuan. Compulsory Traffic Insurance for Automobiles: The full name of CTI is "Compulsory Traffic Accident Liability Insurance for Motor Vehicles." It is a mandatory liability insurance where the insurance company compensates for personal injuries, deaths, and property losses of victims (excluding vehicle occupants and the insured) 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, primarily influenced by the number of seats. Compared to the over 20 exemption clauses in commercial third-party liability insurance, CTI's exemption scope is much broader, covering losses caused by intentional actions 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 the accident, CTI will compensate within the liability limits without any deductible or exemption. Introduction to Electronic Insurance Policies An electronic insurance policy refers to a digital policy issued by an insurance company using digital signature software and corporate digital certificates that comply with the PKI system, bearing the electronic signature of the insurance company. An insurance policy, abbreviated as a policy, is the official written proof of the insurance contract between the insurer and the insured. It must fully record the rights, obligations, and responsibilities of both parties to the insurance contract. The content of the insurance policy serves as the basis for both parties to fulfill their obligations. The insurance 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 marks on paper; Saves time and is convenient, not restricted by time or location, with information universally accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating worries about losing it. 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.
Answer 1: I've encountered several instances of scraping my car while reversing. Compulsory traffic insurance is actually a mandatory liability insurance, mainly covering compensation if you hit another car or pedestrian, so it only covers third-party losses and doesn't cover your own car's damage at all. Such scrapes caused by your own reversing can only be considered as a single-vehicle accident, and compulsory insurance is completely ineligible for reimbursement. I suggest you check if you have commercial insurance like vehicle damage insurance, which covers repairs for your own car. If it's just a minor scrape, like a bit of paint loss that's not serious, I usually pay for the repair myself, finding a roadside shop to spray paint for a few hundred yuan to fix it. Filing a claim with commercial insurance will increase next year's premium, which isn't worth it. Remember, always check the rearview mirror and rear camera before reversing, don't rush, take it slow to reduce such incidents, saving both money and hassle.
