Can the compulsory traffic insurance be delayed for a few days?

1 Answers
LiamLee
07/29/25 10:11pm
No, you cannot drive on the road even if the insurance lapses for just one day. According to the "Road Traffic Safety Law," violators may be given a warning or fined between 20 and 200 yuan. Article 95 stipulates: If a motor vehicle driven on the road does not display the inspection qualification mark or insurance mark, or the driver fails to carry the vehicle license or driving license, the traffic management department of the public security organ shall detain the motor vehicle and notify the party to provide the corresponding license, mark, or complete the necessary procedures. 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 injury, death, and property losses of victims (excluding vehicle occupants and the insured) caused by road traffic accidents within the liability limit. The premium is based on the nationally unified fee standards. However, the price of compulsory traffic insurance varies for different vehicle types, primarily influenced by the number of car seats. Compared to the more than 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a much broader range, including losses caused by intentional acts of the victim, damage to the insured's own property, related arbitration and litigation costs, and some indirect losses due to the accident. Moreover, regardless of whether the insured vehicle is at fault in the accident, compulsory traffic insurance will compensate within the liability limit, with no 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. The insurance policy, abbreviated as the policy, is the formal written proof of the insurance contract between the insurer and the insured. The policy must fully record the rights, obligations, and responsibilities of both parties to the insurance contract. The content recorded in the 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 to print insurance proof marks; Saves time and is convenient, unrestricted by time or location, with information universally accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating concerns about loss. If a paper version is needed offline, it can also be printed or mailed; Facilitates management. After electronic unification, insurance companies and traffic police departments can more easily manage the insurance information of various vehicles.
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