What are the consequences of not having compulsory traffic insurance?
2 Answers
Here are the consequences of not having compulsory traffic insurance: 1. Fines: There is no late penalty for expired compulsory traffic insurance, but if the vehicle continues to be driven on the road after the insurance expires, traffic police may detain the vehicle until the insurance is reinstated, deduct 1 point from the driver's license, and impose a fine equal to twice the minimum liability insurance premium required. 2. Accident losses: If a traffic accident occurs during the expired period, the vehicle owner will be fully responsible, and all losses must be borne by the owner. In cases of serious traffic safety accidents, the owner may face corresponding civil and criminal liabilities. 3. Failed annual inspection: According to relevant regulations, vehicles that fail to provide proof of compulsory traffic insurance will not pass the safety technical inspection (annual inspection). If an uninspected vehicle is driven on the road, the driver will be fined and penalized with 3 points, and the vehicle will be impounded until the owner completes the necessary procedures.
Letting compulsory traffic insurance lapse is really troublesome. I made this mistake before—I was so busy that I forgot to renew it, and ended up getting pulled over by traffic police as soon as I drove out. I was fined several hundred yuan, not to mention my car was impounded for a whole day before being released. I was really panicked back then. Luckily, nothing happened, otherwise, if I had hit someone or another car without insurance coverage, I would have had to shoulder all the compensation myself, potentially costing thousands or even tens of thousands. Letting insurance lapse also affects the annual vehicle inspection. If the inspection fails, you can’t drive the car at all, and the combined costs of repairs and fines can lead to huge losses. Now I’ve learned my lesson—I set a phone reminder every year to pay on time. I remind everyone not to be as careless as I was, as the consequences of letting insurance lapse are endless. I suggest getting it reinstated promptly to avoid future troubles.
