Is it acceptable not to display the compulsory traffic insurance sticker?
2 Answers
If electronic insurance policies have been implemented locally, there is no need to display the compulsory traffic insurance sticker on the vehicle; if electronic policies have not yet been implemented, the compulsory traffic insurance sticker 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 relevant procedures, and may impose penalties in accordance with the provisions of Article 90 (a warning or a fine of not less than 20 yuan but not more than 200 yuan). As of 2022, provinces and cities that have abolished the compulsory traffic insurance paper label include: Beijing, Shanghai, Shandong, Shanxi, Guangdong, Henan, Hubei, Hunan, Jiangxi, Guizhou, Guangxi, Yunnan, Shaanxi, Hebei, Sichuan, and Gansu. Compulsory Traffic Insurance for Vehicles: The full name of compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a compulsory liability insurance where the insurance company compensates for personal injury, death, and property losses (excluding vehicle personnel and the insured) caused by road traffic accidents involving the insured motor vehicle within the liability limit. The premium is based on the nationally unified standard rates. However, the price of compulsory traffic insurance varies for different vehicle types, mainly influenced by the number of car seats. Compared to the more than 20 exemption clauses in commercial third-party insurance, the exemption scope of compulsory traffic insurance 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 the accident, compulsory traffic insurance will compensate within the liability limit. Introduction to Electronic Insurance Policies: An electronic insurance policy refers to an electronic policy issued by an insurance company with an electronic signature, using digital signature software and enterprise digital certificates that comply with the PKI system. An insurance policy, abbreviated as a policy, is the official written proof of the insurance contract between the insurer and the insured. The insurance policy must fully record the rights, obligations, and responsibilities of both parties to the insurance contract. The content recorded in the insurance policy serves as the basis for both parties to fulfill the contract. The insurance 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 marks on paper; Saves time and is convenient, not restricted by time or location, with information universally available online for quick and easy access; Allows for reissuance and resending, eliminating concerns about loss. If a paper version is needed offline, it can also be printed or mailed; Facilitates management; after unification in electronic form, insurance companies and traffic police departments can more easily manage the insurance information of various vehicles.
I've thought about this issue before. Simply put, there's no need to stick that blue paper on your car window anymore! After the new regulations came into effect, electronic insurance policies and electronic labels have been implemented nationwide, with the same validity as paper ones. If you're stopped by traffic police while driving, just show them the electronic version on your phone. However, it's important to note that the insurance policy information must be verifiable in the traffic management system to be valid. Many people I know take photos of the labels and save them in their phone albums or WeChat favorites as backups, which is especially handy in case of poor internet connection. Of course, it's best to check if there are any special local regulations, but generally speaking, removing that piece of paper from the top right corner of your windshield is completely fine—it won't affect your vehicle's annual inspection and can even give you a clearer view.
