Is it still necessary to display the compulsory traffic insurance label on the windshield?

[MacWalker]

If electronic insurance policies have been implemented in your local area, there is no need to display the compulsory traffic insurance label on the vehicle. However, if electronic policies have not yet been adopted, the compulsory traffic insurance label must still be affixed. According to Article 95 of the "Road Traffic Safety Law": If a motor vehicle driven on the road does not display the inspection qualification label or insurance label, 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, label, or complete the required procedures, and may impose penalties in accordance with Article 90 of this law (a warning or a fine ranging from 20 to 200 yuan). As of 2022, the following provinces and cities have abolished the requirement for the compulsory traffic 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 under which the insurance company compensates for personal injuries, deaths, and property losses (excluding vehicle occupants and the insured) caused by road traffic accidents involving the insured motor vehicle, within the liability limits. The premium is based on the nationally unified standard rates. However, the price of compulsory traffic insurance varies for different vehicle types, primarily influenced by the number of seats in the vehicle. Compared to the over 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a much broader range, including losses caused by intentional acts of the victim, damage to the insured's own property, related arbitration and litigation costs, and certain indirect losses caused by accidents. Moreover, compulsory traffic insurance provides compensation within the liability limits regardless of whether the insured vehicle is at fault in the accident. 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 that comply with the PKI system. An insurance policy, abbreviated as a policy, is the formal 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 on paper; Time-saving and convenient, not restricted by time or location, with information accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating concerns about loss. If a paper version is needed offline, it can be printed or mailed; Simplifies management, as electronic unification makes it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.