What Happens If You Drive 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 fails to carry the vehicle registration certificate or driver's license, the traffic management department of the public security authority shall impound the vehicle, notify the party to provide the corresponding license, mark, or complete the necessary 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 injuries, deaths, and property losses of victims (excluding vehicle occupants and the insured) caused by road traffic accidents within the liability limits. The premium is based on the nationally unified fee standard. However, the price of compulsory traffic insurance varies for different vehicle types, primarily influenced by the number of vehicle seats. Compared to the over 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 certain indirect losses from accidents. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will provide compensation within the liability limits, with no deductibles or exemptions. Introduction to Electronic Insurance Policies An electronic insurance policy refers to a digital policy issued by an insurance company using digital signature software and an enterprise digital certificate that complies with the PKI system, bearing the electronic signature of the insurance company. An insurance policy, abbreviated as a policy, is the official written proof of an 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, fast and easy; Allows for reissuance or resending, eliminating worries about loss. If a paper version is needed offline, it can be printed or mailed; Facilitates management. After electronic unification, insurance companies and traffic police departments can more easily manage the insurance information of each vehicle.
From a legal perspective, the consequences of driving without compulsory traffic insurance are severe. As someone who has driven for many years, I've seen numerous cases where drivers were immediately fined when pulled over by the police. The minimum fine starts at 200 yuan, and can go up to 2,000 yuan for serious violations, with possible vehicle impoundment. The biggest headache comes when accidents occur - without insurance coverage, you'll have to pay all medical and repair costs out of pocket. Even a minor accident could cost several thousand or even tens of thousands of yuan. I believe this isn't a trivial matter - the legal requirement for compulsory insurance exists to protect everyone. It's not worth risking major losses to save on small insurance premiums. I always check my insurance policy before driving to ensure it hasn't expired, avoiding unnecessary trouble. The potential actual losses and time wasted far outweigh any premium savings.
