Is it still necessary to display the car insurance sticker now?
4 Answers
Currently, the annual vehicle inspection labels have been digitized and no longer need to be displayed on the vehicle. Below is relevant information about vehicle insurance: 1. Introduction: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers liability for personal injuries or property damage caused by natural disasters or accidents involving motor vehicles. Auto insurance is a category of property insurance. Within the field of property insurance, auto insurance is relatively new, as it emerged and developed alongside the invention and popularization of automobiles. Unlike modern motor vehicle insurance, early auto insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body. 2. Classification: Commercial auto insurance is an open-valued insurance, divided into basic coverage and additional coverage, with the latter not being available as standalone insurance. Basic coverage includes third-party liability insurance and vehicle damage insurance (comprehensive coverage). Additional coverage includes full vehicle theft insurance (theft coverage), on-board liability insurance, no-fault liability insurance, cargo drop liability insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion insurance, new equipment loss insurance, and no-deductible special coverage. Compulsory traffic insurance (i.e., compulsory motor vehicle traffic accident liability insurance) also falls under the broad category of third-party liability insurance. Compulsory traffic insurance is mandatory; vehicles must purchase it to be legally driven, undergo annual inspections, and be registered. In the event of third-party losses requiring claims, compulsory traffic insurance must be paid out first before other coverages are applied.
I remember in the past, every time I renewed my car insurance, I had to peel off that sticker, and the adhesive was particularly difficult to clean. Now it's much more convenient. When I renewed my insurance last year, the insurance company directly told me that I didn't need to stick it anymore, as the electronic policy has the same legal effect as the paper one. However, this depends on where you drive. When I go on long trips, I still prefer to keep a screenshot of the electronic policy in my phone's photo album, as some remote areas might not be fully connected yet. I recommend checking the latest notice from the local traffic police or calling the vehicle management office to be on the safe side. If you're stopped and asked for documents, you can simply open the 12123 APP and show the electronic policy to the traffic police. I've tried it myself, and it works.
I find the changes in car insurance stickers particularly reflective of social progress. In the past, the windshield was cluttered with colorful stickers, which not only obstructed the view but also looked unattractive. Now, with the full implementation of electronic versions, it's both eco-friendly and convenient. My five-year-old car can finally enjoy a clean windshield. But don't be too optimistic—I just helped a friend deal with this issue. During a road trip in another city, he was asked to present a paper insurance policy, though he eventually resolved it with an electronic version. It's advisable to download the local traffic police app to check specific requirements and keep photos of the insurance policy on your phone.
It depends on regional policies. For example, when I drive in Hangzhou, I haven't needed to display the insurance sticker since last year, as traffic police can directly check electronic records in their system. However, when I went on a business trip to Anhui a couple of days ago, I still saw cars with old stickers on them. So my advice is: download the official insurance company's app to access your electronic policy anytime; check the latest local traffic regulations; and keep a digital copy in your phone's photo album. Although most cities are now connected to the network, it's always better to be prepared to avoid trouble when traveling.
