What to Do If a Motorcycle's Insurance Expires and Is Discovered by Traffic Police
2 Answers
Motorcycles are classified as motor vehicles. According to Article 98 of the Road Traffic Safety Law of the People's Republic of China: If the owner or manager of a motor vehicle fails to purchase compulsory third-party liability insurance for the motor vehicle as required by the state, the traffic management department of the public security organ shall detain the vehicle until the insurance is purchased, and impose a fine of twice the amount of the minimum liability limit premium that should be paid. Below is some information about auto insurance: 1. Components: Auto insurance generally consists of basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. 2. Coverage: Vehicle damage insurance covers losses to your own vehicle; third-party liability insurance covers damages to targets outside your own vehicle, such as people hit, public property, and the other party's vehicle; passenger liability insurance covers personal and property losses of passengers in your own vehicle; theft insurance covers compensation when your vehicle is stolen; no-deductible coverage ensures 100% compensation in case of an accident. If no-deductible coverage is not purchased, you will bear 30% of the deductible for each accident.
I've been riding motorcycles for several years, and once I accidentally let my insurance expire and got stopped by a traffic cop. That day, I was in a hurry to get to work when he checked and found my insurance was invalid. He issued a ticket saying riding without insurance would result in a 200-yuan fine and a one-point deduction. I was a bit stunned but immediately apologized and admitted my mistake. He said as long as I paid the fine and renewed my insurance as soon as possible, it would be fine. That same afternoon, I went to the insurance company to renew my policy, avoiding any future issues. Since then, I've set a monthly reminder on my phone to check the insurance expiration date to prevent any oversights. After all, safety comes first when riding a motorcycle—who would cover the costs if an accident happens without insurance? Letting insurance lapse is definitely not something to take lightly.
