How to Affix the Compulsory Traffic Insurance Sticker?

[StElliana]

New vehicles should affix the compulsory traffic insurance sticker in the upper right corner of the windshield where it does not obstruct the view. The "Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles" clearly stipulate: The compulsory traffic insurance sticker should be affixed to the upper right corner of the front windshield in the driver's compartment; if there is no driver's compartment, it should be carried at all times. Below are the precautions for affixing the compulsory traffic insurance sticker: 1. The compulsory traffic insurance sticker can be directly affixed to the upper right corner of the front windshield by peeling off the sticker and applying it. However, when directly affixing the sticker to the windshield, it can be difficult to remove when expired or when replacing the windshield. 2. You can use a static cling sticker to affix the compulsory traffic insurance sticker. Peel the compulsory traffic insurance sticker from its backing paper, attach it to the static cling sticker, then remove the protective paper. After affixing, peel off the static cling sticker and apply it to the upper right corner of the front windshield.

[Phoebe]

Last time I helped a friend handle the compulsory traffic insurance, it took two trips. Here's some practical advice: The most reliable way is to go directly to the insurance company's counter with your ID card, vehicle license, and last year's policy (for a new car, bring the purchase invoice). Nowadays, you can also do it on mobile apps—just upload photos of your documents. You can buy it by searching 'auto insurance' on Alipay or through the official WeChat account of the insurance company. After entering your license plate and personal information, select compulsory traffic insurance and make the payment. Remember to double-check the vehicle details and address before paying! The premium is nationally standardized—950 yuan per year for vehicles with fewer than 6 seats. After completion, you'll receive an electronic policy, which you can print and keep with your vehicle license; traffic police can scan the code to verify it. Important reminder: Never let the policy expire, or you won’t pass the annual inspection, and if caught, your car may be impounded, and you’ll have to pay a fine.

[VonRose]

There are just three steps to handling compulsory traffic insurance: prepare materials, choose a channel, and pay to get the policy. The required materials are photos of the front and back of your ID card and vehicle license. If you find it troublesome, simply call the insurance company, state that you want to apply for compulsory traffic insurance, and the customer service will send you a WeChat link to fill in your details. Young people can get it done in five minutes using a mobile app: either Ping An's 'Good Car Owner' or PICC's app will do. On the homepage, click 'Buy Auto Insurance,' make sure not to check the commercial insurance options, and just purchase the compulsory traffic insurance before making the payment. The electronic policy will be sent to your email instantly after payment. Note! For transferred vehicles, bring the registration certificate, and for company vehicles, also bring a copy of the business license. After completing the process, remember to download the electronic policy to your phone's album. If you encounter a spot check, simply show the screenshot to the traffic police.

[SanLayla]

There are essentially four ways to purchase compulsory traffic insurance, each with its pros and cons. The traditional method involves visiting an insurance company's counter, which is suitable for middle-aged and elderly people who don't use smartphones, as all questions can be clarified on the spot. Telephone auto insurance is the most hassle-free: call the insurer's customer service, say 'I want to buy compulsory traffic insurance,' verify the information, pay online, and the paper policy will be mailed to your home. For younger people, using WeChat or Alipay is convenient: search 'auto insurance service' on Alipay → select 'compulsory insurance only' → upload ID documents → pay, but you might be upsold commercial insurance. Experienced drivers recommend buying directly from the official website: insurers like PICC or Pacific Insurance have 'compulsory insurance only' options, with more transparent information. Important reminder: renewal can be done 30 days in advance—don’t wait until it expires; even temporary license plates require compulsory insurance, which can be processed using the engine number.

[StZoey]

Focus on these two key aspects of compulsory traffic insurance: premium calculation and special case handling. The premium for ordinary private cars is fixed at 950 yuan (if no claims were made), but it will increase if there was a claim last year. Motorcycle premiums are lower, starting from 156 yuan. Special attention is required for second-hand car transfers: the seller must bring their ID card to the original insurance company to transfer the policy, and the buyer needs to repurchase compulsory traffic insurance. Any changes to the insured vehicle's information (such as modifications to the seating capacity) must be reported to the insurance company to update the policy, otherwise, claims may be disputed. The most convenient payment methods are WeChat Pay and Alipay, though bank cards are also accepted but may have limits. The era of using compulsory traffic insurance electronic stickers on the windshield is over; now electronic policies are valid nationwide. However, it's recommended to save the policy PDF in your WeChat favorites so you can easily search for 'policy' during vehicle inspections.

[DiNatalie]

When purchasing compulsory traffic insurance, focusing on the claim terms is what makes it practical! Although the coverage amounts to 200,000 yuan (for death or injury compensation) + 18,000 yuan (for medical expenses) + 2,000 yuan (for property damage), real-world accident handling requires attention to detail. For example, if you injure someone, the compulsory insurance can advance 18,000 yuan for medical expenses—remember to report to the insurance company within 48 hours after obtaining the hospital's diagnosis certificate. For minor scratches with claims under 2,000 yuan, using compulsory insurance is the most cost-effective, as it avoids affecting next year's commercial insurance premiums. Key points: Call the insurance company immediately to report the accident, take panoramic photos of the scene (including license plates), never agree to cash compensation from the other party—insist on bank transfers through the insurance company. Keep two copies of the policy on your phone and back up one in the cloud to prevent loss.