Is it still necessary to display the compulsory traffic insurance decal on motor vehicles?
2 Answers
If you hold an electronic compulsory traffic insurance policy, there is no need to display the compulsory traffic insurance decal. Currently, the compulsory traffic insurance decal for vehicles is part of the electronic policy, and in pilot areas, displaying the decal is not required. The electronic policy holds the same validity as the paper policy and decal. If stopped by traffic police, the vehicle owner only needs to present the electronic policy to be allowed to proceed without facing fines or towing. Below is an introduction to the compensation limits of compulsory traffic insurance: 1. Death and disability compensation limit: This refers to the maximum compensation amount the insurer will bear for death and disability expenses of all victims in each accident involving the insured motor vehicle. Death and disability expenses include funeral expenses, death compensation, transportation costs for the victim's relatives to arrange the funeral, disability compensation, costs for disability aids, nursing expenses, rehabilitation costs, transportation fees, living expenses for dependents, accommodation costs, lost wages, and mental distress compensation as determined by court judgment or mediation. 2. Medical expenses compensation limit: This refers to the maximum compensation amount the insurer will bear for medical expenses of all victims in each accident involving the insured motor vehicle. Medical expenses include medical fees, treatment costs, hospitalization fees, meal subsidies during hospitalization, necessary and reasonable follow-up treatment costs, cosmetic surgery expenses, and nutritional costs. 3. Property loss compensation limit: This refers to the maximum compensation amount the insurer will bear for property losses of all victims in each accident involving the insured motor vehicle.
I specifically asked about this when I bought my car recently. Now, the compulsory traffic insurance label is no longer required nationwide, as everything has been digitized. Police can directly scan the license plate to check insurance information during traffic violation inspections. Those stickers on the windshield used to peel off easily, fade under sun exposure, and leave the glass looking dirty. Now, without this hassle, the windshield is clean, and visibility is much better. I downloaded the Traffic Management 12123 app on my phone, which allows me to check my insurance status anytime, anywhere, and even view traffic violations, saving trips to the DMV. I recommend new drivers develop the habit of checking their insurance validity at least every six months. Although digitization is convenient, forgetting to renew insurance could result in a fine of 100 to 200 yuan, which is quite impactful. Such policy reforms are truly small yet pleasant surprises that improve quality of life.
