How to check the compulsory insurance of cars?

Bring your ID card to the offline business outlets of the insurance company and ask the staff at the counter to help you check.

2. Telephone enquiry

Call the insurance company's customer service hotline and provide the corresponding information according to the requirements of the customer service staff, and then the customer service staff can help you inquire about the compulsory insurance policy.

3, official website query

Log in to official website, an insurance company, and enter your own license plate number, ID number and other information on the policy page to query the compulsory insurance policy.

4. Queries in history

After we complete the compulsory insurance, the insurance company will definitely send you the policy information, some of which may be sent in the form of SMS, and some may be sent directly to the customer's mailbox. If you don't have the habit of deleting historical information, you can try to query in this way.

The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic accidents", which is a kind of compulsory liability insurance that the insurance company compensates the victims (excluding the people on board and the insured) for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limit of liability.

Compulsory insurance is the first compulsory insurance system implemented by national laws in China. Its premium is subject to the national unified charging standard, which is uniformly stipulated by the state, but the compulsory insurance price of different models is also different, and the main influencing factor is "the number of car seats".

Since September 19, 2020, the Guiding Opinions on Comprehensive Reform of Auto Insurance has been officially implemented, and the total liability limit of compulsory insurance has been raised from122,000 yuan to 200,000 yuan.

insured liability

Article 8 In People's Republic of China (PRC) (excluding Hong Kong, Macao and Taiwan), if the insured has a traffic accident in the process of using the insured motor vehicle, causing personal injury or property loss to the victim, the insurer shall be liable for damages according to law, and the insurer shall be liable for compensation for each accident within the following compensation limits according to the stipulations of the traffic insurance contract:

(a) the death and disability compensation limit is 1 10000 yuan;

(2) The compensation limit for medical expenses is 10000 yuan;

(3) The compensation limit for property losses is 2,000 yuan;

(4) When the insured has no responsibility, the compensation limit for death and disability without responsibility is 1 1000 yuan; The compensation limit for medical expenses without responsibility is 1000 yuan; The compensation limit for irresponsible property losses is 100 yuan.

Under the limits of death, disability compensation and irresponsible death and disability compensation, the insured is responsible for compensation for funeral expenses, death compensation, transportation expenses, disability compensation, disability AIDS, nursing expenses, rehabilitation expenses, transportation expenses, living expenses, accommodation expenses, lost time for dependents, and spiritual damages paid by the insured according to court judgment or mediation.

Medical expenses compensation limit and liability-free medical expenses compensation limit are responsible for compensation for medical expenses, medical expenses, hospitalization expenses, hospital food subsidies, necessary and reasonable follow-up treatment expenses, cosmetic expenses and nutrition expenses.