Can the Compulsory Traffic Insurance Cover a Broken Car Windshield?

[RyanFitz]

No, the Compulsory Traffic Insurance does not cover the repair costs for your own car's broken windshield, as it is designed to compensate for damages to third-party vehicles and individuals. To claim for your vehicle's damage, you must have purchased a separate vehicle damage insurance. The Compulsory Traffic Insurance is mandatory 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 authority may detain the motor 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 Vehicles: The full name of the Compulsory Traffic Insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a mandatory liability insurance where the insurance company compensates within the liability limits for personal injuries, deaths, and property losses of victims (excluding vehicle occupants and the insured) caused by road traffic accidents involving the insured motor vehicle. The premium is based on the nationally unified standard rates. However, the price of Compulsory Traffic Insurance varies for different vehicle types, mainly influenced by the number of car seats. Compared to the over 20 exemption clauses in commercial third-party liability insurance, the exemption scope of Compulsory Traffic Insurance covers losses caused by intentional acts of the victim, the insured's own property losses, related arbitration and litigation costs, and some indirect losses from accidents, offering much broader coverage. Moreover, regardless of whether the insured vehicle is at fault in the accident, the Compulsory Traffic Insurance will compensate within the liability limits, 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 that complies 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 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 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 also be printed or mailed; Facilitates management, as electronic standardization makes it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.