Do I need to display the compulsory traffic insurance decal in 2020?

[StLuke]

In 2020, if electronic insurance policies have been implemented in your local area, it is not necessary to display the compulsory traffic insurance decal on your vehicle. However, if electronic policies have not yet been implemented, the decal must be displayed. According to Article 95 of the Road Traffic Safety Law: If a motor vehicle driven on the road does not display the inspection qualification mark or insurance mark, or does not carry the vehicle license or driver's license, the traffic management department of the public security organ shall detain the motor vehicle, notify the party to provide the corresponding license, mark, or complete the necessary procedures, and may impose penalties in accordance with Article 90 of this Law (a warning or a fine of not less than 20 yuan but not more than 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 involving the insured motor vehicle, within the liability limits. The premium is based on the nationally unified standard rates. However, the price of compulsory traffic insurance varies for different vehicle types, primarily influenced by the number of seats. Compared to the more than 20 exemption clauses in commercial third-party liability insurance, the compulsory traffic insurance's exemption scope covers losses caused by intentional acts of the victim, the insured's own property losses, related arbitration and litigation costs, and some indirect losses caused by accidents, with a much broader coverage. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will provide compensation 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 to clients using digital signature software and enterprise 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 formal written proof of an 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 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 decals; Time-saving and convenient, unrestricted by time or location, with information universally accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating worries about loss. 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.

[Ivy]

I've been driving long distances for over a decade. Back in 2020, the compulsory traffic insurance label really started to change, with the state promoting electronic policies. Most cities no longer require the paper label to be displayed on the windshield. At that time, I was handling some business in Beijing and went to the DMV to ask. They said just download the 'Traffic Management 12123' APP, where you can check the electronic certificate. The traffic police can verify it by looking at your phone. However, be aware of urban-rural differences. In suburban or small towns, they might not have caught up yet, so you still need to follow the old rule of displaying the label. I once reminded my neighbor to check the local official website for policies first to avoid getting a ticket. This digitalization is quite convenient—the windshield looks much cleaner, and you don't have to worry about glue residue or expired labels anymore. In short, 2020 was a transition period, and it's best to keep a backup of the electronic file on your phone for easy inspection.