Is it okay 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. However, 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 Article 90 of this law (a warning or a fine of not less than 20 yuan but not more than 200 yuan). As of 2022, the 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 mandatory liability insurance where the insurance company compensates within the liability limit for personal injuries, deaths, and property losses caused to victims (excluding vehicle occupants and the insured) in road traffic accidents involving the insured motor vehicle. 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 seats. Compared to the more than 20 exemption clauses in commercial third-party insurance, the compulsory traffic insurance covers a much broader range, including 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. Moreover, regardless of whether the insured vehicle is at fault in the accident, compulsory traffic insurance will provide compensation within the liability limit. Introduction to Electronic Insurance Policies: An electronic insurance policy refers to an electronic 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 labels; Saves time and is convenient, unrestricted by time or location, with information readily available online anytime, fast and easy; Allows for reissuance and resending, eliminating worries about losing it. If a paper version is needed offline, it can be printed or mailed; Facilitates management, as electronic unification makes it easier for insurance companies and traffic police departments to manage the insurance information of each vehicle.
The compulsory traffic insurance decal must be affixed to the front windshield, and failing to do so violates traffic laws. As a frequent driver, I've encountered many car owners who skip it for aesthetic reasons or inconvenience. However, the reality is that if traffic police find it missing during roadside checks, you'll face a 200-yuan fine and 1 penalty point. Worse, in case of an accident, proving valid insurance becomes harder without the decal, potentially delaying or voiding claims. The optimal placement is the upper right corner of the windshield for easy visibility. Daily tip: Clean the area with a damp cloth before applying for better adhesion, check quarterly for wear, and promptly request replacements from your insurer if damaged. This ensures legal compliance and self-protection, preventing future hassles.
