What are the consequences of driving without compulsory traffic insurance?
3 Answers
According to Article 95 of the Road Traffic Safety Law: If a motor vehicle driven on the road does not display the inspection qualification mark or insurance mark, or fails to 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, mark, or complete the relevant procedures, and may impose penalties in accordance with Article 90 of this Law (a warning or a fine ranging from 20 to 200 yuan). Compulsory Traffic Insurance for Automobiles: 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 injury, death, and property losses of victims (excluding vehicle occupants and the insured) caused by road traffic accidents 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 car seats. Compared to the more than 20 exemption clauses in commercial third-party insurance, the exemption scope of compulsory traffic insurance covers losses caused by intentional acts of the victim, the insured's own property losses, related arbitration and litigation costs, and some indirect losses caused by accidents, offering much broader coverage. Moreover, regardless of whether the insured vehicle is at fault in the accident, compulsory traffic insurance will compensate within the liability limits, with no deductibles or exemptions. Introduction to Electronic Insurance Policies: An electronic insurance policy refers to a digital policy issued by an insurance company using digital signature software and an enterprise digital certificate that complies with the PKI system, bearing the electronic signature of the insurance company. An insurance policy, abbreviated as a policy, is the formal written proof of the insurance contract between the insurer and the insured. The insurance policy must fully record the rights, obligations, and responsibilities of both parties to the insurance contract. The content recorded in the insurance 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 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, and if a paper version is needed offline, it can also be printed or mailed; Easy management, with electronic unification making it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.
I was once caught driving without compulsory traffic insurance and got fined over 2000 RMB with my car impounded, which left me terrified. Compulsory insurance is legally required, and not having it before hitting the road is just asking for trouble. That time, I forgot to renew it in a rush to work, and when the traffic police stopped me, I was stunned—besides the fine, I could have gotten points deducted or even had my license suspended. Luckily, there was no accident, or I’d have had to pay all the compensation myself and might have faced legal action. The solution is simple: stop driving immediately, contact an insurer to reinstate the compulsory insurance—usually done online in minutes. Don’t try to save money or cut corners; this insurance isn’t just for others, it’s basic protection for yourself and everyone else. Set a reminder to check your car and renew coverage on time every year—build good habits and don’t slack off.
Having driven for over a decade, I've encountered numerous accident risks, and lacking compulsory traffic insurance is absolutely asking for trouble. Driving without it and getting pulled over by traffic police will result in a fine of over 2000 yuan and possible vehicle impoundment. Even worse, if an accident occurs, inability to pay compensation could lead to legal troubles. Here's how to handle it: immediately pull over and don't touch the vehicle, quickly reinstate the insurance through the insurance company's app, then take the policy and documents to the traffic police station to settle the violation. From experience, many people forget to renew because they're too busy to notice reminders - I recommend setting up automatic payments through Alipay or WeChat for peace of mind. This insurance only costs a few hundred yuan per year - saving this small amount puts your family's safety at risk, which isn't worth it. Regularly check your insurance validity period to avoid missing it.
