What are the penalties for driving without compulsory traffic insurance?
4 Answers
Driving without compulsory traffic insurance will result in a warning or a fine ranging from 20 to 200 yuan according to the "Road Traffic Safety Law." Article 95 stipulates: If a motor vehicle driven on the road does not display an inspection qualification mark or insurance mark, or if the driver fails to carry the vehicle registration certificate or driver's license, the traffic management department of the public security organ shall detain the vehicle and notify the party to provide the corresponding license, mark, or complete the required procedures. 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 injuries, deaths, and property losses (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 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 some indirect losses caused by the accident. Moreover, regardless of whether the insured vehicle is at fault in the 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 corporate digital certificates that comply with the PKI system. The insurance policy, abbreviated as the 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 on paper; Saves time and is convenient, unrestricted by time or location, with information universally accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating worries about losing it. If a paper version is needed offline, it can also be printed or mailed; Facilitates management, as electronic unification makes it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.
I once forgot to buy compulsory traffic insurance before driving, got caught by the police, fined over 2,000 yuan, and had my car towed away. It made me take a day off to deal with it, delaying my work. If an accident had really happened, it would have been worse—like hitting someone, I would have had to pay for medical and repair costs out of my own pocket, easily costing tens of thousands. Since then, I’ve set a phone reminder to renew my insurance every year. Never save small money only to suffer big losses—checking the policy date before driving is a good habit. Now I can hit the road with peace of mind, saving a lot of time spent worrying.
From a legal perspective, the consequences of driving without compulsory traffic insurance can be severe. The fine is usually twice the amount of the insurance premium, such as 2,000-3,000 RMB in Shanghai, and the vehicle may be impounded until the insurance is obtained. Accumulated penalty points could lead to license suspension, and worst of all, you would be fully liable for compensation in case of an accident. I've seen friends end up in deep debt because of this. The law requires this insurance to protect everyone, so don't neglect it for convenience. Develop a habit of regularly checking your car insurance to ensure safety and save money.
Back when I was young and inexperienced, I thought insurance was too expensive and kept putting it off. As a result, I got penalized with points and a fine of 500 yuan when checked. My friend was even unluckier—after a car accident, the insurance company refused to pay, and he had to spend tens of thousands to repair the car himself. The lesson is clear: new drivers shouldn’t gamble with luck. Compulsory traffic insurance must be handled on time. No matter how steady your driving is, it’s never as safe and reliable as having a valid policy. Now that I’ve learned this lesson, I’ll never slack off again.
