What are the penalties for driving without compulsory traffic insurance?
2 Answers
According to Article 95 of the Road Traffic Safety Law: If a motor vehicle driven on the road does not display an inspection compliance mark or an insurance mark, or if the driver does not carry the vehicle registration certificate or driving license, the traffic management department of the public security authority shall detain the vehicle, notify the party to provide the corresponding license, mark, or complete the required 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 Vehicles: The full name of compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a mandatory 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 involving the insured vehicle, 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 seats. Compared to the more than 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a much broader range, including losses caused by intentional acts of the victim, the insured's own property losses, related arbitration and litigation costs, and certain indirect losses due to accidents. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will provide compensation within the liability limits. Introduction to Electronic Insurance Policies: An electronic insurance policy refers to a digital policy issued by an insurance company with an 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 official 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 serves as 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; Saves time and is convenient, not restricted by time or location, with information universally accessible online anytime, quickly and easily; Allows for reissuance or resending, eliminating worries about losing it. If a paper version is needed offline, it can also be printed or mailed; Facilitates management, as electronic standardization makes it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.
As an ordinary driver, I'm telling you, getting caught driving without compulsory traffic insurance is really troublesome. The fine starts at over 2,000 yuan, and the police may make you stop and impound your car on the spot. I've personally seen a friend who forgot to renew his insurance get fined more than 2,000 yuan, have his car towed for two days, delaying work and costing a lot in towing fees. Worse, if you have an accident without insurance, you'll have to pay for car repairs and medical expenses yourself, which can easily amount to tens of thousands of yuan, crushing you financially. So I suggest renewing your insurance early—don't try to save that little over 100 yuan and risk this. Compulsory traffic insurance is mandatory; buying it isn't just to pass inspections but also to protect yourself and others. Check your app reminders often to avoid expiration and make it a habit.
