Should Auto Insurance Documents Be Carried in the Vehicle?
3 Answers
In auto insurance, the compulsory traffic insurance certificate needs to be carried in the vehicle. The compulsory insurance label should be affixed to the right side of the front windshield as required. In case of an accident, directly call the insurance company's customer service hotline and provide the policy information. The insurance company will check the vehicle's insurance status through their backend system. Auto insurance can be specifically divided into commercial insurance and compulsory traffic insurance. Commercial insurance further includes two parts: main vehicle insurance and additional insurance. Main commercial insurance covers vehicle damage insurance, third-party liability insurance, passenger liability insurance, and comprehensive theft insurance. Additional insurance includes separate glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, engine water ingress insurance, no-fault liability insurance, substitute vehicle expense insurance, body scratch loss insurance, deductible waiver clause, and cargo liability insurance, among various other types of coverage.
Having driven for over a decade, I believe carrying car insurance documents is essential. The law clearly stipulates that in certain situations, such as when being checked by traffic police, failure to present valid proof of insurance may result in a fine exceeding 200 yuan or vehicle impoundment. In the event of an accident, presenting the policy enables quick information exchange for problem resolution, avoiding disputes. Although some cities now accept electronic insurance cards stored on mobile phones, keeping a printed copy in the glove compartment is more reliable in case of phone battery depletion or no signal. Developing this habit requires little effort but offers much peace of mind, and also facilitates smoother insurance claim procedures to prevent processing delays. Additionally, international travel imposes even stricter requirements, so never overlook this—cultivating good habits ensures worry-free daily driving safety.
As a tech-savvy young person, I prefer digital solutions for car insurance. Many apps allow you to store electronic policies, making them convenient to access. However, during accident handling or roadside checks, police may not always accept electronic versions uniformly. It's advisable to print a copy and keep it in your car as a backup to avoid complications. Forgetting it could delay accident processing and disrupt your travel plans. Opt for insurance company apps that allow real-time information updates—this ensures both efficiency and peace of mind. Also, develop the habit of storing documents in a fixed compartment to minimize unexpected risks, which is crucial for daily commuting.
