If you don t buy commercial insurance, you can only buy compulsory traffic insurance?

No, you cannot

According to the Regulations on Compulsory Traffic Insurance, the owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory traffic insuranceThe owner or manager of the motor vehicle fails to take out compulsory traffic insurance in accordance with the regulationsTraffic management department of the public security organThe right to impound a motor vehicle, notify the owner and manager of the motor vehicle to take out insurance in accordance with the regulations, andA fine of twice the premium payable shall be imposed.

Extended reading:

Compulsory Insurance:Compulsory insurance for motor vehicle traffic accident liability, China's "Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability" clearly stipulates the scope of compensation for compulsory traffic insurance.

The insurance company shall compensate within the limit of liability for the personal and property losses of the victims other than the vehicle personnel and the insured caused by a road traffic accident of the insured motor vehicle.

Compulsory liability insurance for automobile traffic accidents implements a uniform liability limit nationwide. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

The liability limit of compulsory traffic insurance refers to the maximum amount of compensation borne by the insurance company for the personal and property losses of all victims of each insured accident in the event of a traffic accident during the insurance period (usually 1 year).

Motor vehicles in road traffic accidentsLiability Limitation of Indemnity

Death and disability compensation limit: 110,000 RMB.

Medical expenses compensation limit: 10,000 RMB.

Compensation limit for property damage: 2,000 RMB.

Motor vehicles in road traffic accidentsNo Liability Limit

Death & Disability Compensation Limit: 11,000 RMB.

Medical expenses compensation limit: 1000 RMB.

Property damage compensation limit: 100 RMB.

Death & Disability Compensation Limit: refers to the maximum amount of compensation borne by the insurer for the death and disability expenses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle. Death and disability expenses include funeral expenses, death compensation, transportation expenses incurred by the victim's relatives for funeral matters, disability compensation, disability assistive device expenses, nursing expenses, ** expenses, transportation expenses, living expenses of dependents, accommodation expenses, lost work expenses, and solatium for mental damages borne by the insured in accordance with court judgments or mediation.

Medical Expense Reimbursement Limit: refers to the maximum amount of compensation borne by the insurer for the medical expenses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle. Medical expenses include medical expenses, diagnosis and treatment fees, hospitalization expenses, hospital meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery expenses, and nutrition expenses.

Property Damage Compensation Limit:It refers to the maximum amount of compensation borne by the insurer for the property damage of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle.

Okay. Compulsory traffic is compulsory, and business is a voluntary purchase.

1. Is it okay to only buy commercial insurance and not compulsory traffic insurance?

1. It is not possible to only buy commercial insurance without compulsory traffic insurance. Compulsory traffic insurance is stipulated by the state, that is, if you do not pay compulsory traffic insurance, you will not be able to get on the license or can not go on the road in the second year, assuming that the car insurance expires, you do not buy the compulsory traffic insurance, and you happen to be found by the traffic police, you will be punished, so you can not buy the car compulsory insurance.

2. Legal basis: Article 38 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If the owner or manager of a motor vehicle fails to take out compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner or manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit for insurance in accordance with the regulations.

Where the owner or manager of a motor vehicle reapplies for compulsory insurance for motor vehicle traffic accident liability in accordance with regulations, the motor vehicle shall be returned in a timely manner.

2. What are the main contents of the compensation scope of compulsory traffic insurance?

1. Insurance compensation items for personal injuries suffered by traffic accident victims: compensation items for personal injuries suffered by victims include: medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal subsidies, and necessary nutrition expenses;

2. Insurance compensation items for traffic accident victims who are disabled due to injury: The compensation items for victims who are disabled due to injuries include disability compensation, disability assistive device expenses, living expenses of dependents, and necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing care and continuation;

3. Insurance compensation items for the death of the victim of a traffic accident: The compensation items for the death of the victim include compensation for funeral expenses, living expenses of dependents, death compensation, and other reasonable expenses such as transportation expenses, accommodation expenses, and loss of work incurred by the victim's relatives in handling funeral matters;

4. Solatium for mental damage suffered by the victim or close relatives of the deceased;

5. Property losses caused by traffic accidents, including direct property losses and indirect property losses.

Hello, this is not possible! Because according to the provisions of the "Regulations on Compulsory Traffic Insurance", the owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall be insured with compulsory traffic insurance, and if the owner or manager of a motor vehicle fails to take out compulsory traffic insurance in accordance with the regulations, the traffic management department of the public security organ has the right to detain the motor vehicle, notify the owner or manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium payable.

This is not possible [smile].

This commercial insurance is divided into many types of insurance, including car damage insurance, seat insurance, three liability insurance, etc., you can choose the right car insurance according to your actual situation and premium budget.

Summary. Hello, dear ......Yes, you can pay commercial insurance if you don't pay compulsory insurance, but you still have to pay compulsory insurance in the end. Compulsory liability insurance and commercial insurance can be purchased separately, and the payment, entry into force and expiration of the two do not affect each other, so commercial insurance can be paid without paying compulsory insurance.

However, the compulsory traffic insurance is compulsory for the state to purchase insurance, although the failure to pay the compulsory traffic insurance does not affect the normal purchase of commercial insurance, but it is found that the compulsory traffic insurance has not been paid on the road, and the fine will be 2 times the premium and the vehicle will be impounded until the supplementary payment is completed.

Is it okay to only buy commercial insurance and not compulsory traffic insurance?

How to check whether to purchase compulsory traffic insurance.

Hello, dear ......Yes, you can pay commercial insurance if you don't pay compulsory insurance, but you still have to pay compulsory insurance in the end. Compulsory liability insurance and commercial insurance can be purchased separately, and the payment, entry into force and expiration of the two do not affect each other, so commercial insurance can be paid without paying compulsory insurance. However, the compulsory traffic insurance is compulsory for the state to purchase insurance, although the failure to pay the compulsory traffic insurance does not affect the normal purchase of commercial insurance, but it is found that the compulsory traffic insurance has not been paid on the road, and the fine will be 2 times the premium and the vehicle will be impounded until the supplementary payment is completed.

Compulsory traffic insurance is on behalf of compulsory liability insurance for motor vehicles, which is compulsory insurance. Therefore, if the vehicle wants to go on the road, it must buy compulsory traffic insurance, so how to check your own compulsory traffic insurance? 1. For inquiries by insurance companies, car owners can bring their own ID cards to the offline business hall of the company they undertake, and then ask the staff at the counter to help them inquire.

2. For inquiry, the owner can directly call the customer service of the insurance company, and then provide relevant information according to the requirements of the customer service staff, so that the customer service staff can help the owner inquire about the policy of compulsory traffic insurance. 3. Enter the official website to inquire, the owner logs in to the official ** of the insurance company, and then enters his ID card and license plate number and other information on the page of the policy, so that you can also query the compulsory traffic insurance policy. 4. Check in the historical record, generally after purchasing compulsory traffic insurance, the insurance company will send the information of the policy.

Some are sent via SMS, while others are sent to the customer's mailbox. If you don't delete all this historical information, you can query it in this way.

When driving a motor vehicle, you can only buy compulsory traffic insurance, not commercial insurance.

It should be noted that the compensation amount of compulsory traffic insurance is limited, and in order to protect your own rights and interests, you can purchase commercial insurance as a supplement.

According to the "Compulsory Insurance for Motor Vehicle Traffic Accident Liability.

Article 2 of the Regulations shall be in accordance with the Road Traffic Safety Law of the People's Republic of China if the owner or manager of a motor vehicle driving on a road in the territory of the People's Republic of China is concerned.

Compulsory insurance for motor vehicle traffic accident liability. These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.