Must the Compulsory Traffic Insurance for Motorcycles Be Handled by the Owner in Person?

[OJocelyn]

The compulsory traffic insurance does not necessarily have to be handled by the vehicle owner in person; it can also be handled by the user of the motor vehicle. To apply for compulsory traffic insurance, you need to bring: the driving license and vehicle registration certificate of the insured motor vehicle, the ID card of the insured, and for renewal, the original copy of the previous year's compulsory traffic insurance is also required. Compulsory traffic insurance is mandatory nationwide, and only with it can you drive legally on the road. Otherwise, according to the "Road Traffic Safety Law," the traffic management department of the public security organ shall detain the motor vehicle, notify the party to provide the corresponding license plates, marks, or complete the necessary procedures, and may impose a warning or a fine ranging from 20 to 200 yuan. Compulsory Traffic Insurance for Cars: The full name of compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a compulsory liability insurance where the insurance company compensates for personal injuries, deaths, and property losses of victims (excluding vehicle personnel and the insured) caused by road traffic accidents involving the insured motor vehicle within the liability limit. 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 car seats. Compared to the more than 20 exemption clauses of commercial third-party insurance, the exemption scope of compulsory traffic insurance covers losses caused by intentional acts of the victim, property losses of the insured, related arbitration and litigation costs, and some indirect losses caused by accidents, with much broader coverage. Moreover, regardless of whether the insured vehicle is at fault in the accident, compulsory traffic insurance will compensate within the liability limit, with no deductible or exemption. Introduction to Electronic Insurance Policies An electronic insurance policy refers to an electronic policy issued by an insurance company with its 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 is 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 marks on paper; Saves time and is convenient, not restricted by time or location, with information universally accessible online anytime, fast and easy; Can apply for reissuance or resending, no need to worry about losing it. If a paper version is needed offline, it can also be printed or mailed; Easy to manage, with electronic unification making it easier for insurance companies and traffic police departments to manage the insurance information of each vehicle.