Can You Ride a Motorcycle on the Road Without Compulsory Insurance?
2 Answers
You cannot ride a motorcycle on the road without compulsory insurance. Because motorcycles are classified as motor vehicles, they also require compulsory insurance. Compulsory Insurance Coverage: If the insured is involved in a traffic accident while using the insured motor vehicle, causing the victim to suffer personal injury, death, or property loss, the insurance will cover the compensation liability that the insured is legally responsible for. It only compensates for personal injury, death, and property loss caused by the insured vehicle to others. If the other party's vehicle causes damage to the insured's vehicle, the other party's compulsory insurance will cover the compensation. Single-vehicle accidents are not covered under compulsory insurance. Compulsory Insurance Considerations: The mandatory implementation of compulsory insurance is undoubtedly necessary, as it ensures compensation for victims of motor vehicle traffic accidents and promotes road traffic safety. Compulsory insurance provides timely and basic protection for traffic accident victims, making it essential to purchase. Therefore, all vehicle owners must obtain this insurance.
Of course you can't ride it on the road without insurance. The compulsory insurance for motorcycles is just like the traffic insurance for cars, it's mandatory by the state. I rode motorcycles for 10 years and had a few minor accidents. Once when someone rear-ended me, thankfully the compulsory insurance covered the medical bills and repair costs. If you don't have insurance, not only will you be fined a few hundred yuan when stopped by traffic police, but your bike might also be impounded or you could even face detention. If an accident happens, paying out of pocket would be a huge financial burden. Buying insurance regularly is as important as regular chain and brake maintenance - don't try to save a few dozen yuan only to cause bigger troubles later. Riding motorcycles in the city is already high-risk, dealing with wind and rain, so having that extra layer of protection brings peace of mind. I always remind my riding buddies not to wait until the last minute to renew - you can even do it on your phone now, it's super convenient. Once you make it a habit, it's no big deal at all.
