How to inquire about the expiration of compulsory insurance

There are several ways to check whether the compulsory insurance of an automobile has expired. The first way is to directly check the compulsory insurance sticker on the right windshield of the automobile, and the start and end dates of the compulsory insurance can be seen on the back of the sticker, that is, in the cab. At the same time, you can also make relevant inquiries by phone or looking for an insurance company. Compulsory insurance cannot go on the road when it expires, and all car owners need to renew their insurance in time.

Inquiry method of compulsory insurance

1. Insurance company inquiry: use ID card to inquire about insurance companies;

2. Telephone inquiry: call the customer service phone of the insurance company for inquiry;

3. Online inquiry:

(1) You can directly query online and enter the name of the insurance company that you insured for auto insurance;

(2) After opening the PICC auto insurance page, look for the policy query;

(3) Then enter the license plate number to be checked and the applicant's ID number.

What if compulsory insurance expires?

(1) Compulsory compulsory compulsory insurance is stipulated by the state to protect the victims in accidents. However, due to its low insurance coverage, many people make up for it through third-party liability insurance.

(2) However, in the third party liability insurance contract, the insurance company will stipulate that it will not be liable for compensation within the scope of compulsory insurance. Therefore, if compulsory insurance fails to be renewed, the accident car owner will face huge compensation.

(3) According to the provisions of China's traffic law, if it is found out that the owner has not handled the compulsory insurance, he will be fined twice the premium to make up the compulsory insurance and detain the vehicle.

(4) If it expires, you can renew your insurance as soon as possible, and you can still enjoy the discount as long as the insurance time does not exceed three months.

(5) According to the provisions of China's traffic law, if it is found out that the owner has not handled the compulsory insurance, he will be fined twice the premium to make up the compulsory insurance and detain the vehicle.

Can I buy it after the auto insurance expires?

Tip: There is no answer to how long the auto insurance can be extended when it expires. I can only say that I will buy it after the auto insurance expires. But if you have insurance, the owner's car is streaking, and you need to pay, you will face an increase in the rate. Details are as follows:

1. compulsory insurance: if the owner of compulsory insurance fails to renew his insurance upon expiration and continues on the road, he will be fined twice the minimum insurance premium according to laws and regulations. Generally speaking, there will be no discount after 48 hours of delivery, and the original price will continue to be restored. Here, I suggest that the owner should not exceed 48 hours at the latest to avoid damage to the wallet.

2. Commercial insurance: In commercial auto insurance, consumers are very concerned about how long the expiration of auto insurance can be delayed. According to the collected information, if the commercial auto insurance goes out of danger within 3 months to 6 months, the commercial auto insurance will rise by 10%, so it should not exceed 3 months at the latest.

Can I still go on the road when compulsory insurance expires?

Cars with expired compulsory insurance are not allowed to drive on the road.

According to the Compulsory Traffic Insurance Regulations, the owners or managers of motor vehicles driving on the roads in People's Republic of China (PRC) (China) should purchase compulsory traffic insurance. If the owner or manager of a motor vehicle fails to handle compulsory insurance in accordance with the provisions, the traffic administrative department of the public security organ has the right to detain the motor vehicle, notify the owner or manager of the motor vehicle to handle compulsory insurance in accordance with the provisions, and impose a fine of twice the insurance premium payable.

Compulsory insurance renewal price

1. There was no responsible road traffic accident in the last year, with a year-on-year decrease of10%;

2. There have been no road traffic accidents in the past two years, with a decrease of 20%;

3. There have been no road traffic accidents in the past three years, with a decrease of 30%;

4. A road traffic accident involving no death occurred in the last year, 0%;

5. Two or more road traffic accidents occurred in the last year, with an increase of10%;

6. Last year, the traffic accidents on responsible roads increased by 30%;

7. A drunk driving behavior detected in the last year was raised from 10% to 30%;

8. The second and above drunk driving behaviors were detected in the last year, with the largest increase of 60%.

The role of motor vehicle compulsory insurance

Compulsory insurance is similar to commercial third party liability insurance. The role of the insured driver can be understood as that when you inadvertently cause personal and property losses to a third party and claim compensation from you, you can transfer this part of the expenses to the insurance company. The original intention of compulsory insurance is to protect the interests of vulnerable groups in traffic accidents. Insurance companies should compensate third parties (except insurance companies and insured drivers) for personal and property losses. Avoid the situation that after a car accident, both the driver and the victim have no money and delay treatment.

Compulsory insurance system is to force motor vehicle owners or managers to buy corresponding liability insurance through national laws and regulations, so as to improve the coverage of third-party liability insurance (referred to as "three liability insurance") and provide timely and basic protection for traffic accident victims to the maximum extent. Compulsory traffic insurance is more of a social management function. 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 conducive to reducing the economic burden of traffic accident victims. The commercial third liability insurance belongs to commercial insurance, and the purpose of insurance companies to operate this insurance is to make profits, which is obviously far from the business philosophy of compulsory insurance (at present, the national statistics of compulsory insurance show that insurance companies are temporarily losing money on this insurance).

In addition, compulsory insurance is mandatory that general liability insurance does not have. As long as the owners or managers of motor vehicles driving on the roads in China should take out compulsory insurance, uninsured motor vehicles are not allowed to drive on the roads. This compulsion is not only reflected in compulsory insurance, but also in compulsory underwriting. An insurance company qualified for compulsory motor vehicle traffic accident liability insurance shall not refuse to underwrite or terminate the contract at will. Commercial three liability insurance is a civil contract, the owner or manager of motor vehicle has the right to choose whether to buy it or not, and the insurance company also has the right to refuse to underwrite it.

Extended knowledge

How to inquire when compulsory insurance will expire?

If you still have an insurance policy, its insurance period is from XXXX to the day before next year. If you can't find it, just remember the phone number of the insurance company. You can ask their staff, tell them your license plate number and name, and you will know. I suggest you find an insurance policy so that you can get a discount when you renew your insurance.

What are the consequences of not buying compulsory insurance? What should I do after compulsory insurance expires?

A: According to the law, if the compulsory insurance is not paid as required, the traffic management department of the public security organ will detain the motor vehicle and impose a fine of twice the minimum liability limit for insurance. The vehicle will be returned only after the owner and manager of the vehicle reissue the compulsory insurance according to the regulations. Moreover, failure to apply for compulsory insurance will lead to vehicles not being inspected annually and not being allowed to drive on the road. Once found, it will be punished by deduction, confiscation of driver's license, fine and so on.

Can compulsory insurance be renewed after its expiration?

The answer is yes. Buy compulsory insurance as soon as possible. Go directly to the insurance company with the following information:

Driver's license (original, photocopy, photo, choose one of the three)

(1) If the applicant is an individual, it is required to provide: ID card (copy, photo, front and back, choose one);

(2) If the applicant is an enterprise: organization code certificate (photocopy, photo, optional one);

According to the Compulsory Traffic Insurance Regulations, the owners or managers of motor vehicles driving on the roads in People's Republic of China (PRC) (China) should purchase compulsory traffic insurance. If the owner or manager of a motor vehicle fails to handle compulsory insurance in accordance with the provisions, the traffic administrative department of the public security organ has the right to detain the motor vehicle, notify the owner or manager of the motor vehicle to handle compulsory insurance in accordance with the provisions, and impose a fine of twice the insurance premium payable.