What Causes Brake Disc Noise While Driving?

Will the Compulsory Traffic Insurance Cover My Flooded Car?

The compulsory traffic insurance does not cover water damage to your car, as it is designed to compensate third-party vehicles and individuals. To claim for vehicle damage, you must have purchased vehicle damage insurance. The compulsory traffic insurance is mandatory by the state and is required for legal road use. Without it, according to Article 98 of the Road Traffic Safety Law, traffic management authorities can impound the vehicle, require the owner to provide proper documentation or complete necessary procedures, and may issue a warning or impose 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 mandatory liability insurance where the insurer compensates victims (excluding vehicle occupants and the insured) for personal injuries, deaths, and property losses within the liability limits in the event of a road traffic accident. Premiums are based on nationally unified rates. However, the price of compulsory traffic insurance varies by vehicle type, primarily influenced by the number of seats. Compared to the over 20 exemption clauses in commercial third-party insurance, compulsory traffic insurance has a broader coverage, excluding losses caused intentionally by the victim, the insured's own property losses, arbitration and litigation costs, and certain indirect losses from accidents. Moreover, compulsory traffic insurance provides compensation within the liability limits regardless of fault in the accident. Introduction to Electronic Insurance Policies An electronic insurance policy is a digital policy issued by an insurer using digital signature software and corporate digital certificates compliant with the PKI system, bearing the insurer's electronic signature. An insurance policy, or policy for short, is the formal written proof of the insurance contract between the insurer and the insured. It fully records the rights, obligations, and responsibilities of both parties and serves as the basis for fulfilling the contract. The policy is evidence of the insurance contract's formation. Advantages of Electronic Insurance Policies: Saves paper resources, eliminating the need to print insurance proof labels; Time-saving and convenient, accessible anytime and anywhere, with information readily available online; Allows for reissuance and resending, eliminating worries about loss. Paper versions can also be printed or mailed if needed; Easier management, as electronic unification helps insurers and traffic police manage vehicle insurance information more efficiently.

17

0

Share

Will Water Enter the Engine If the Car's Exhaust Pipe Gets Water Inside?

Water will not enter the engine if the car's exhaust pipe gets water inside; it will only cause the vehicle to stall. Below are the relevant details: 1. Precautions: Do not attempt to start the vehicle. Seek assistance from a repair shop or insurance company to have the vehicle towed to a repair facility for cleaning and drying. Ensuring no water has entered the engine will allow the vehicle to start normally. The repair cost is relatively low and is the most effective solution for water entering the exhaust pipe. 2. Determining Water Depth: If the water exceeds half the height of the vehicle's tires, it is not advisable to drive through. If the vehicle is already navigating through a flooded area, maintain the engine speed. For manual transmission vehicles, avoid shifting gears, and for automatic transmission vehicles, avoid easing off the throttle. Drive at a steady speed to safely pass through the flooded area.

14

1

Share

Will Insurance Cover a Flooded Car?

If you have purchased auto damage insurance, you can claim compensation from the insurance company. Here are the relevant details: 1. It depends on the situation: Whether the insurance company will cover a flooded car depends on the circumstances. If the vehicle only has third-party liability insurance, the insurance company will not provide compensation. Generally, engine damage is not covered, but if the vehicle has flood insurance, then compensation, including for the engine, is possible. 2. Forced startup: If the vehicle is flooded and the driver forcibly starts the engine, causing engine damage, even if the car has auto damage insurance and flood insurance, the insurance company will not cover the engine repair costs and will only compensate for other repair expenses excluding the engine.

13

2

Share

How Many Points Are Deducted for Racing and Chasing?

Engaging in motor vehicle racing and chasing on the road under severe circumstances, or driving under the influence of alcohol on the road, is subject to criminal penalties including detention and fines. Below are the relevant details: Running a Red Light: Running a red light results in 6 points deducted; not wearing a seatbelt results in 2 points deducted. Drunk Driving: 12 points are deducted. Depending on the vehicle driven and whether an accident occurred, penalties may include a 5-year ban on reapplying for a driver's license, a 10-year ban, or a lifetime ban. Intentional Concealment of License Plate: 12 points are deducted, with the maximum penalty applied. Speeding: Depending on the vehicle type, road conditions, exceeding the speed limit by 50%, or by 20%, the penalties are 12 points, 6 points, or 3 points deducted respectively.

14

5

Share

What are the physical examination requirements for renewing a C1 driver's license after six years?

Mainly include vision tests and color blindness tests, along with several other items such as grip strength, deep squat stand-ups, blood pressure, hearing, and electrocardiogram. Below are the relevant details: 1. Article 57: The motor vehicle driver should apply for license renewal at the vehicle management office of the license issuing location or elsewhere within 90 days before the expiration of the motor vehicle driver's license. 2. Physical condition certificate: A certificate of physical condition issued by a medical institution at or above the county level or the regimental level of the armed forces. For those applying for a special small automatic passenger vehicle for the disabled, a certificate of physical condition issued by a specialized medical institution designated by the provincial health authority should be submitted.

11

5

Share

How to Fold a Car Warning Triangle?

Yibo

3

1

Share

What Causes Brake Disc Noise While Driving?

Will the Compulsory Traffic Insurance Cover My Flooded Car?

Will Water Enter the Engine If the Car's Exhaust Pipe Gets Water Inside?

Will Insurance Cover a Flooded Car?

How Many Points Are Deducted for Racing and Chasing?

What are the physical examination requirements for renewing a C1 driver's license after six years?

How to Fold a Car Warning Triangle?

What does M+S on tires mean?

What are the advantages and disadvantages of an intake supercharger pump?

What is the voyah car?

How long does it take for the 12123 Traffic Management exam appointment to be processed?