Do I still need to display commercial insurance decals on my vehicle?
2 Answers
Currently, vehicles are required to display compulsory traffic insurance decals, but commercial insurance decals are not mandatory. Introduction to Commercial Insurance: Automobile commercial insurance essentially refers to motor vehicle commercial insurance. This type of insurance is voluntarily purchased from commercial insurance companies by vehicle owners who have already obtained the mandatory compulsory traffic insurance required by the state. Types of Commercial Insurance: Common types include: vehicle damage insurance, third-party liability insurance, theft insurance, and passenger liability insurance. Important Notes: Do not duplicate insurance coverage; Avoid over-insurance or under-insurance; Ensure comprehensive coverage; Renew policies promptly; Carefully review insurance documents; Verify policy details; Always carry insurance cards; Beware of fraudulent claims practices; Note that family members are typically excluded from third-party definitions in auto insurance policies.
Having driven for over a decade, I remember how troublesome it was to display paper insurance policies. Nowadays, electronic policies are promoted nationwide, and commercial insurance doesn't need to be displayed on the windshield. Last year before changing cars, I specifically consulted with traffic police departments. Current regulations clearly state that as long as your commercial insurance electronic policy is recorded in the system, you only need to present the electronic compulsory insurance label during inspections. I do recommend saving a screenshot of the electronic policy on your phone or printing a small card to keep in the glove compartment as backup. This ensures a clear view from the driver's seat while avoiding unsightly adhesive marks on the glass. Regularly checking your policy's validity period is actually more important to avoid discovering expired coverage when an accident occurs, which would be far more troublesome.
