What are the penalties and demerit points for driving without insurance?
2 Answers
You will be required to pay a fine equivalent to twice the premium of the compulsory traffic insurance, and your driver's license will be deducted 1 point. Below is more information about car insurance: 1. Definition: Car insurance is a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Compulsory Traffic Insurance (CTI): CTI is a mandatory national insurance that every vehicle owner must purchase. If you drive without CTI, once caught, your vehicle will be impounded (until you purchase CTI and place the insurance sticker in the designated position to retrieve your car), you will be fined, and corresponding demerit points will be deducted. CTI primarily provides coverage for personal injury and property damage to victims (excluding the vehicle's occupants and the insured) in traffic accidents. However, the compensation limit of CTI is limited and may not cover large-scale personal injury accidents.
When I first started driving, I skipped buying insurance to save money, only to get pulled over by the police. I was fined 600 yuan and had 3 points deducted from my license. Another time, I scratched someone else's car and had to pay tens of thousands out of pocket for repairs—totally regret it. The police checks are strict; fines and points are minor compared to the risk of being uninsured in an accident where you'd bear full responsibility. My advice: regularly check your policy dates, set phone reminders, and don't cut corners to save a few bucks. Getting caught once means fines ranging from hundreds to two thousand yuan, and losing all your points could require retaking the driving test—way more hassle. Safety first; having insurance gives peace of mind.
