Is it legal to drive a car without insurance?
1 Answers
Auto 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 a mandatory insurance system implemented by national law. Driving without compulsory traffic insurance is illegal. If caught by traffic police, you will face penalties such as vehicle impoundment, back payment of compulsory traffic insurance, and a fine of twice the premium. Essential car insurance policies include: Compulsory Traffic Insurance: This is a mandatory national insurance that all vehicles must purchase. Third-Party Commercial Liability Insurance: Since the compensation amount from compulsory traffic insurance is limited, purchasing third-party insurance can cover the excess amount that compulsory traffic insurance does not cover. No-Deductible Insurance: In the event of an accident requiring compensation, the insurance company normally covers 80% of the loss. Vehicle Damage Insurance: This is a necessary insurance policy that provides compensation from the insurance company for damages such as collisions, scratches, or water damage. The traffic management departments of public security organs and the agricultural (agricultural machinery) authorities shall, in accordance with the law, supervise and inspect the participation of motor vehicles in the compulsory traffic accident liability insurance. Motor vehicles that do not participate in the compulsory traffic accident liability insurance shall not be registered by the motor vehicle administration departments, nor shall they be inspected by motor vehicle safety technical inspection institutions.
