What to Do If Caught by Traffic Police for Expired Car Insurance?
2 Answers
If caught by traffic police for expired car insurance, the vehicle will be detained by the traffic management department of the public security authority. The vehicle owner or manager will be notified to purchase insurance as required and fined twice the amount of the minimum liability limit insurance premium that should be paid. More relevant information is as follows: 1. Article 98, Paragraph 1 of the "Road Traffic Safety Law" stipulates: In daily life, due to the negligence of the vehicle owner or manager, situations often occur where compulsory traffic insurance (i.e., compulsory third-party liability insurance for motor vehicles) is not paid on time. If caught by traffic police, the driver will be fined and receive 3 demerit points. 2. Vehicle Insurance: Also known as motor vehicle insurance or car insurance, it refers to a type of commercial insurance that covers liability for personal injury, death, or property damage caused by natural disasters or accidents involving motor vehicles. Vehicle insurance is a type of property insurance and is relatively new in the field of property insurance, as it emerged and developed alongside the appearance and widespread use of vehicles. 3. Unlike modern motor vehicle insurance: In the early stages of vehicle insurance, third-party liability insurance was the main coverage, gradually expanding to include risks such as collision damage to the vehicle body.
That day was just my bad luck. I was pulled over by traffic police on my way to work for having expired insurance. My heart sank, but I quickly pulled over without resistance. After checking my license, he issued a 300-yuan fine and deducted 12 points, almost impounding my car. I explained on the spot that I forgot to renew the insurance and promised to do it immediately. He didn’t give me a hard time. Then, I immediately went to the insurance company to renew my compulsory traffic insurance and provided proof, before heading to the traffic police station to handle the fine. A reminder to everyone: Set an annual calendar reminder on your phone—don’t be like me. If you lack insurance and get into an accident, the consequences could be severe. The violation is recorded in the system, affecting your annual inspection. Prevention is key—check your insurance policy every year without fail.
