Can I Claim Compulsory Traffic Insurance for Self-Inflicted Scratches?

[ODiana]

Compulsory traffic insurance does not cover self-inflicted scratches on your own vehicle, as it is designed to compensate for damages to third-party vehicles and individuals. To claim for vehicle damage, you must have purchased vehicle damage insurance. Compulsory traffic insurance is mandatory by the state, and it is required for normal road use. Without it, according to the "Road Traffic Safety Law," the traffic management department of the public security authority can impound the vehicle, require the owner to provide the corresponding license, registration, 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 compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." 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 rate. However, the price of compulsory traffic insurance varies for different vehicle types, primarily influenced by the number of seats. Compared to the over 20 exemption clauses in commercial third-party insurance, compulsory traffic insurance covers a broader range, including losses caused by intentional actions of the victim, the insured's own property losses, related arbitration and litigation costs, and certain indirect losses from accidents. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will provide compensation within the liability limits. Introduction to Electronic Insurance Policies An electronic insurance policy refers to a digital policy issued by an insurance company using digital signature software compliant with the PKI system and an enterprise digital certificate, 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 document the rights, obligations, and responsibilities of both parties. The content of the insurance policy serves as the basis for both parties to fulfill the contract. The insurance policy is proof of the establishment of the insurance contract. Advantages of Electronic Insurance Policies: Saves paper resources, eliminating the need for printed insurance proof labels; Time-saving and convenient, unrestricted by time or location, with information accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating worries about loss. If a physical copy is needed offline, it can be printed or mailed; Easier management, as electronic standardization makes it more convenient for insurance companies and traffic police departments to manage vehicle insurance information.