Is it necessary to display the compulsory insurance label on vehicles in Hebei?

[GrahamRose]

In Hebei region, electronic insurance policies have been implemented, eliminating the need to display the compulsory traffic insurance label on vehicles. Since the 2020 auto insurance reform, the electronic policy for compulsory traffic insurance has been promoted nationwide, but full implementation will take time. Currently, only certain regions have truly adopted it. In areas where electronic policies are in effect, the compulsory insurance label no longer needs to be displayed, and drivers only need to present the electronic policy when stopped by traffic police. However, in regions where electronic policies have not yet been implemented, the compulsory insurance label must still be displayed, or penalties may apply. According to Article 95 of the Road Traffic Safety Law: If a motor vehicle driven on the road does not display the inspection compliance label or insurance label, or if the driver fails to carry the vehicle registration certificate or driving license, the traffic management authorities shall impound the vehicle, notify the party to provide the corresponding documents or labels, or complete the necessary procedures, and may impose penalties in accordance with Article 90 (a warning or a fine ranging from 20 to 200 yuan). As of 2022, the following provinces and cities have abolished the compulsory insurance paper label: 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 mandatory liability insurance where the insurance company compensates for bodily injuries, deaths, and property losses (excluding vehicle occupants and the insured) caused by road traffic accidents involving the insured vehicle, within the liability limits. Premiums are based on nationally unified standards, but prices vary depending on the vehicle type, primarily influenced by the number of seats. Compared to the over 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a much broader range, including losses caused intentionally by the victim, the insured's own property losses, related arbitration and litigation costs, and certain indirect losses from accidents. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will provide compensation within the liability limits, with no deductibles or exemptions. Introduction to Electronic Policies: An electronic policy refers to a digital insurance policy issued by an insurance company using digital signature software and enterprise digital certificates compliant with the PKI system, bearing the electronic signature of the insurer. An insurance policy, or simply a policy, is the formal written proof of the insurance contract between the insurer and the insured. It must fully record the rights, obligations, and responsibilities of both parties. The content of the policy serves as the basis for both parties to fulfill the contract, and it is proof of the establishment of the insurance contract. Advantages of Electronic Policies: Saves paper resources by eliminating the need to print insurance proof labels; Offers time-saving convenience, unrestricted by time or location, with information readily available online for quick and easy access; Allows for reissuance or resending, eliminating concerns about loss. If a physical copy is needed offline, it can be printed or mailed; Simplifies management by unifying electronic records, making it easier for insurance companies and traffic police departments to manage vehicle insurance information.