Lawyer Nguyen Thu Trang, Hung Dao Thang Long Law Office analyzed, Article 56 of the Law on Road Traffic Order and Safety, effective from January 1, 2025, stipulates the conditions for drivers of vehicles participating in road traffic.
Accordingly, drivers participating in road traffic must be of age and in good health as prescribed by law; have a valid driving license with points remaining, appropriate to the type of vehicle being driven, issued by a competent authority, except for motorbike drivers as prescribed.
When participating in road traffic, drivers must carry the following documents:
Vehicle registration certificate or certified copy of Vehicle registration certificate with original confirmation document from credit institution, foreign bank branch still valid in case the vehicle is mortgaged at credit institution, foreign bank branch.
Driving license appropriate to the type of vehicle being driven.
Certificate of technical safety and environmental protection inspection for motor vehicles according to the provisions of law.
Certification compulsory civil liability insurance of motor vehicle owners.
Thus, according to the provisions of the law, the type of insurance that people participating in traffic must carry is compulsory civil liability insurance of motor vehicle owners.
The name motorcycle insurance is the way people call it. Considering this factor, there are 2 types of motorcycle insurance: compulsory insurance and voluntary insurance.
Compulsory insurance is the civil liability insurance of motor vehicle owners. Without this type of insurance, people will be fined according to the provisions of the law.
Voluntary motorbike insurance: This is an optional type of insurance. Road users can purchase additional items to provide the benefit of paying financial compensation for property or vehicle occupants (including the vehicle owner and passengers) in the event of an accident, fire, explosion or theft. . If you do not buy this insurance, people will not be fined. On the contrary, if there is only voluntary insurance without compulsory insurance for civil liability of motor vehicle owners, people will still be fined.
Clause 3, Article 4 of Decree 67/2023/ND-CP stipulates that in addition to participating in compulsory insurance according to insurance conditions, insurance premiums, minimum insurance amount or insurance liability limits specified in In this Decree, the insurance buyer and the insurance enterprise can agree in the insurance contract to expand insurance conditions, increase the insurance amount and the corresponding additional insurance premium in accordance with regulations. law. In this case, the insurance company is responsible for separating the mandatory insurance part in the insurance contract.
The State encourages agencies, organizations and individuals who are not required to purchase compulsory insurance as prescribed in this Decree to purchase insurance based on agreements with insurance enterprises and in accordance with legal regulations.
In compulsory civil liability insurance of motor vehicle owners, for each motor vehicle, the liability for compensation under compulsory civil liability insurance of motor vehicle owners only arises under a single insurance contract.
Thus, according to regulations, voluntary insurance is not mandatory but the state encourages people to buy more to ensure their rights.
