Is it mandatory to pay compulsory traffic insurance if the car is not driven?
3 Answers
If the car is not driven, you don't have to purchase compulsory traffic insurance, but it absolutely cannot be driven on the road, because only with compulsory traffic insurance can the car be legally driven without penalty. According to Article 95 of the Road Traffic Safety Law: If a motor vehicle driven on the road does not display an inspection compliance mark or insurance mark, or the driver does not carry the vehicle registration certificate 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 required procedures, and may issue a warning or impose a fine ranging from 20 to 200 yuan. Compulsory Traffic Insurance for Vehicles: The full name of compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a mandatory liability insurance where the insurance company compensates for personal injuries, deaths, and property losses of victims (excluding vehicle occupants and the insured) caused by road traffic accidents involving the insured motor vehicle, within the liability limits. 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, property losses of the insured, related arbitration and litigation costs, and some indirect losses caused by accidents, with much broader coverage. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will compensate within the liability limits, without any deductible or exemption. Introduction to Electronic Insurance Policies An electronic insurance policy refers to a digital policy issued by an insurance company using digital signature software and enterprise digital certificates that comply with the PKI system, bearing the electronic signature of the insurance company. An insurance policy, abbreviated as a policy, is the official written proof of the insurance contract between the insurer and the insured. The policy must fully record the rights, obligations, and responsibilities of both parties to the insurance contract. The content recorded in the policy serves as the basis for both parties to fulfill the contract. The 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; Time-saving and convenient, unrestricted by time or location, with information universally accessible online anytime, fast and easy; Can apply for reissuance or resending, no need to worry about losing it, and if a paper version is needed offline, it can also be printed or mailed; Easy management, as electronic unification makes it convenient for insurance companies and traffic police departments to manage the insurance information of all vehicles.
I think this issue should be discussed based on actual driving situations. Compulsory traffic insurance is mandatory by law, and every vehicle must purchase it. Driving without it is illegal. From my experience, I've seen cases where people were caught by traffic police for not having it, facing hefty fines ranging from several hundred to over a thousand yuan. In severe cases, the vehicle might even be impounded or towed. It's not just about the money—during annual inspections, you must present proof of compulsory traffic insurance. Without it, you simply can't pass the inspection. What's worse, if an accident occurs without insurance, you'll have to bear all the compensation costs yourself, leading to even greater losses. So, if your car lacks compulsory traffic insurance, you must get it covered immediately. Find a reliable insurance company to handle it—don't delay. With electronic payments being so convenient nowadays, it only takes a few minutes to complete. Why not do it right away?
Having driven for many years, I fully understand the importance of compulsory traffic insurance. It's mandatory by the state, and if you haven't purchased it, you must make up for it as soon as possible. This is no small matter—getting caught on the road without it can lead to trouble, with fines unavoidable and potential impacts on your driving record. Most critically, in the event of an accident, without insurance coverage, the entire compensation burden falls on you, and any incident could result in significant losses. Vehicle annual inspections also depend on it—without this proof, nothing can be processed. Personally, I recommend handling it promptly by contacting your insurance company to make up for it—don't skimp on this expense. Safe driving relies on every detail, and compulsory traffic insurance is the fundamental safeguard to ensure peace of mind on the road.
