Is it still necessary to display the compulsory traffic insurance decal on vehicles?
4 Answers
It depends. If electronic insurance policies have been implemented locally, there is no need to display the compulsory traffic insurance decal on the vehicle. If electronic policies have not yet been adopted in the area, the compulsory traffic insurance decal must be displayed. For regions where electronic policies have not been promoted, if a vehicle is driven without displaying the compulsory traffic insurance decal, the vehicle may be impounded if caught. Additionally, the owner may face fines and warnings. The vehicle owner must provide the necessary documents and proof of compulsory traffic insurance to retrieve the vehicle. According to Article 95 of the Road Traffic Safety Law: If a motor vehicle driven on the road does not display the inspection compliance mark or insurance mark, or if the driver fails to carry the vehicle license or driving license, the traffic management department of the public security organ shall detain the vehicle, notify the party to provide the corresponding license, mark, or complete the required procedures, and may impose penalties in accordance with the provisions of Article 90 (a warning or a fine of not less than 20 yuan but not more than 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 injury, death, and property losses of victims (excluding vehicle occupants and the insured) caused by road traffic accidents within the liability limits. Premiums are based on nationally unified standards. However, the price of compulsory traffic insurance varies depending on the vehicle type, primarily influenced by the number of seats. Compared to the more than 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 the accident, compulsory traffic insurance will provide compensation within the liability limits. Introduction to Electronic Insurance Policies: An electronic insurance policy refers to a digital policy issued by an insurance company with an electronic signature, using digital signature software and enterprise digital certificates compliant with the PKI system. An insurance policy, abbreviated as a policy, is the formal written proof of an 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. The insurance 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 decals; Time-saving and convenient, unrestricted by time or location, with information accessible online anytime, fast and efficient; Allows for reissuance and resending, eliminating concerns about loss—paper versions can also be printed or mailed if needed offline; Simplified management—electronic standardization makes it easier for insurance companies and traffic police departments to manage vehicle insurance information.
I remember when I first started driving, I had to get that little compulsory traffic insurance slip stuck on the windshield every year, worried about police checks. Times have changed now, thanks to accelerated digitalization, most provinces and cities across China have abolished this requirement. Traffic police can just scan the license plate with their devices to pull up insurance information, saving us the hassle of sticking decals. While some older folks might still be accustomed to keeping physical policy documents, there's really no need to display them anymore. The key points are: compulsory traffic insurance itself cannot be omitted and must be renewed on time; driving without it can result in fines ranging from hundreds to thousands of yuan, plus possible demerit points. I recommend everyone download the 12123 traffic police app to conveniently check electronic policies - it's worry-free and eco-friendly. Those paper slips would just get weathered by wind and rain while obstructing visibility anyway. The digital era has simplified procedures, making driving easier for all of us.
I'm quite up-to-date with technology trends and have researched policy changes after getting my driver's license. Nowadays, it's completely unnecessary to display the compulsory traffic insurance decal—it went fully digital years ago. Traffic police can check insurance status anytime through their connected backend systems. This eliminates the need for that little paper slip on the windshield, making it much more aesthetically pleasing without worrying about deterioration or adhesive residue. The key point is insurance validity: compulsory traffic insurance must be purchased annually—it's mandatory. Driving without it will cost you dearly if caught. Most people now use mobile apps to check insurance dates, with official channels like China Traffic Police APP being very user-friendly. Modern processing eliminates trivialities, allowing drivers to focus more on safety—just don't forget to renew your insurance.
As an ordinary driver, I think it doesn't matter whether to display the compulsory traffic insurance sticker now. After the policy promotes the electronic version, traffic police can just scan the QR code to check the license plate. It saves some glue money and eliminates the problem of label peeling. The key is to insist on buying insurance and renew the compulsory traffic insurance every year, and don't drive illegally. Getting caught without insurance brings a lot of trouble, and the fine hurts the wallet. Make sure to keep the electronic insurance policy on your phone for convenience.
