What if the vehicle insurance is overdue?

Bian Xiao Insurance Company will help you to answer, and more questions can be answered online.

Car owners need to know what to do after the car insurance expires to avoid problems in the connection. First of all, the car mainly depends on the expiration date of the last insurance contract to see if the car is overdue, and then renew the insurance. Everyone has a common problem when dealing with renewed products, and that is forgetting. A year later, people just used to enjoy the service, but forgot the deadline of the service. Therefore, the vehicle insurance has not been renewed for a long time, until the transportation department finds out that it has not paid the compulsory insurance, or it is not until a traffic accident that the insurance contract is invalid. Once the overdue auto insurance is discovered by the transportation department, it will be fined twice, and the risk coefficient of the vehicle will also be affected when the insurance is renewed, which will increase the auto insurance cost for the next year. Therefore, car owners must not ignore the expiration time of auto insurance. If the owner can't guarantee that he can remember, when choosing to buy auto insurance, it is best to choose a service that can provide expiration reminders. For example, car owners can apply for insurance through the online sales platform of Ping An Auto Insurance, and the system automatically records the insurance time and expiration time. Because one month before the expiration, the platform will automatically remind car owners and friends in the form of SMS, and will remind you what to do after the expiration of auto insurance, and what problems to know when renewing the insurance. No matter how many answers there are to the question of what to do after the auto insurance expires, renewal is a necessary link. So, what problems should car owners know when renewing their insurance? The first is the price. When renewing the insurance, the owner's price will be different from the first year's fee. In addition to the above-mentioned overdue will increase the cost, the price of auto insurance is also related to the traffic accident record of the vehicle in the last year. The more records, the greater the risk coefficient and the higher the price. Secondly, on the issue of auto insurance companies and types of auto insurance. When renewing the insurance, the owner can re-select the insurance company according to the service and price of the previous year, and can also re-select the types of auto insurance according to the scope of application of auto insurance. Finally, the issue of insurance channels. Car owners should not fall into a scam because they are greedy for cheap, or choose a formal insurance company or a formal sales channel. The establishment of compulsory motor vehicle traffic accident liability insurance system is not only conducive to timely and effective economic security and medical treatment for road traffic accident victims, but also helps to reduce the economic burden of traffic accident victims. The traffic law stipulates that all motor vehicles must be insured for compulsory insurance. Motor vehicles that are not insured for compulsory insurance or fail to renew their insurance in time after the expiration of compulsory insurance are not allowed to drive on the road. If they drive on the road, they will be detained and fined twice the insurance premium, and they will not pass the annual inspection. After the expiration of compulsory insurance, you can enjoy the preferential policies you deserve if you renew your insurance in time. The Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents stipulates that when the compulsory liability insurance contract for motor vehicle traffic accidents expires, the insured shall renew the insurance in time. If the insured motor vehicle has no road traffic safety violations or road traffic accidents, the insurance company shall reduce its insurance premium rate in the next year. In the following years, if the insured motor vehicle still has no road traffic safety violations and road traffic accidents, the insurance company shall continue to reduce its insurance premium rate to the minimum standard. Now, it is very convenient to follow up the insurance after the expiration of the compulsory insurance. As long as you have access to the Internet, you can easily renew your insurance through Ping An Online anytime and anywhere. Ping An Auto Insurance Online Sales Platform includes auto insurance quotation, insurance consultation, online insurance, online inquiry and other columns, and car owners can choose their own service items at will.