How Many Points Are Deducted for Driving Without Insurance?
1 Answers
Driving without insurance deducts 1 point. Car insurance is divided into compulsory traffic insurance and commercial insurance. Even if commercial insurance is not purchased, you can still drive on the road. However, compulsory traffic insurance is different; it is a mandatory insurance system implemented by national law. Therefore, driving without purchasing compulsory traffic insurance is illegal. If caught by traffic police, you will be penalized. You need to pay twice the premium for compulsory traffic insurance, and your driver's license will be deducted 1 point. Additionally, the vehicle will be impounded until compulsory traffic insurance is purchased. Other hazards of not purchasing compulsory traffic insurance: Vehicles that fail to provide proof of compulsory traffic insurance will not pass the safety technical inspection (annual inspection). If an uninsured motor vehicle is involved in a traffic accident while driving on the road, the owner will have to bear all losses and compensation. Compulsory traffic insurance is a mandatory insurance type required by the state. Its full name is "Motor Vehicle Traffic Accident Liability Compulsory Insurance." It is a compulsory liability insurance provided by insurance companies to compensate victims (excluding passengers and the insured) for personal injury, death, or property damage caused by the insured motor vehicle in a road traffic accident, within the liability limits. Commercial insurance includes three main types and eleven additional types. The main types are vehicle damage insurance, third-party liability insurance, and passenger liability insurance. Among the eleven additional types, five new ones are included: standalone wheel loss insurance, medical expenses outside medical insurance liability insurance, motor vehicle value-added service special clauses, absolute deductible rate special clauses, and engine water damage exclusion special clauses. Here are a few popular types of insurance: Vehicle Damage Insurance: Different models have different prices, which is the main factor affecting the premium. For example, a car worth around 100,000 yuan typically has a premium of around 1,000 yuan. Third-Party Liability Insurance: Different coverage amounts have different prices. Owners can choose the appropriate amount based on their needs. Although premiums are consistent across major insurance companies, the discounts offered vary, so owners should choose the best option. Passenger Liability Insurance: Generally, the coverage per seat ranges from 10,000 to 50,000 yuan.
