Does Compulsory Traffic Insurance Cover Water-Damaged Cars?

1 Answers
Santos
07/29/25 5:27pm
Compulsory traffic insurance does not cover water damage to your car because it is designed to compensate for damage to third-party vehicles and individuals. To claim for vehicle damage, you must have purchased vehicle damage insurance. Compulsory traffic insurance is mandatory by law, and without it, you cannot legally drive on the road. According to Article 90 of the Road Traffic Safety Law, traffic management authorities may impound the vehicle, require the owner to provide proper documentation or complete necessary procedures, and may issue a warning or impose a fine ranging from 20 to 200 yuan. Compulsory Traffic Insurance for Vehicles: Compulsory traffic insurance, officially known as 'Compulsory Liability Insurance for Motor Vehicle Traffic Accidents,' is a mandatory insurance where the insurer compensates victims (excluding the vehicle occupants and the insured) for bodily injury, death, or property damage within the liability limits in the event of a traffic accident. The premium is based on a nationally standardized rate. However, premiums vary depending on the vehicle type, primarily influenced by the number of seats. Compared to commercial third-party liability insurance, which has over 20 exemption clauses, compulsory traffic insurance covers a broader range, excluding losses caused intentionally by the victim, damage to the insured's own property, arbitration and litigation costs, and certain indirect losses. Additionally, compulsory traffic insurance provides compensation within the liability limits regardless of fault in the accident. Introduction to Electronic Insurance Policies An electronic insurance policy is a digital document issued by an insurer using digital signature software compliant with the PKI system and a corporate digital certificate, bearing the insurer's electronic signature. An insurance policy, or simply a policy, is the official written proof of the insurance contract between the insurer and the insured. It fully records the rights, obligations, and responsibilities of both parties and serves as the basis for fulfilling the contract. The policy is evidence of the insurance contract's validity. Advantages of Electronic Insurance Policies: Saves paper resources by eliminating the need for printed proof of insurance; Offers convenience and time savings, allowing access to information online anytime, anywhere; Allows for reissuance or resending if lost, with the option to print or mail a physical copy if needed; Simplifies management for insurers and traffic authorities by centralizing vehicle insurance information electronically.
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