Will it be calculated from scratch if you only buy compulsory traffic insurance and buy commercial i

Car insurance. There are mainly two types of compulsory liability insurance and commercial insurance. Compulsory traffic insurance is mandatory for the state. Compared with compulsory traffic insurance, automobile commercial insurance is purchased by the car owner. For details, please contact the customer service of the car insurance company.

In general, new car vehicle insurance.

Including compulsory traffic insurance and commercial auto insurance, the compulsory traffic insurance will take effect immediately after the successful purchase; Commercial auto insurance, on the other hand, is effective at 0:00 the day after purchase.

Insurance policies are generally "effective at zero hour", that is, the insurance bought today will not take effect until 0:00 tomorrow in the legal sense, and this point in time will also be clearly indicated in the insurance contract. Therefore, in the past, car owners generally had a "blind spot" of more than ten hours from the purchase of car insurance to the final car insurance effect.

On March 25, 2009, the China Insurance Regulatory Commission (CIRC) issued the Notice on Strengthening the Administration of Compulsory Underwriting of Motor Vehicle Compulsory Insurance to all insurance companies, making the provision that "the compulsory motor vehicle insurance policy shall take effect after the insured pays the premium", requiring the compulsory liability insurance to change the tradition of "zero time to take effect" and to formally implement it with immediate effect.

According to the relevant provisions of commercial auto insurance, the effective time of commercial auto insurance is generally 0:00 on the next day after the insurance is purchased, and the specific effective time needs to be confirmed according to the time agreed by the insurance company and the policyholder, and the insurance policy signed by both parties shall prevail.

For related business, you can call Ping An Life Insurance 95511-1, Ping An Auto Insurance, Property Insurance, and Accident Insurance.

The official website shall prevail.

It may not be more than three months.

1. If you need to buy commercial insurance, it is best to equalize the date and compulsory insurance.

2. The purchase of commercial auto insurance is entirely voluntary.

3. Buying compulsory traffic insurance first, and then buying commercial insurance after a few months, this operation method can be carried out.

From the above, we said that the purchase of compulsory traffic insurance is mandatory by the state, and the purchase of commercial insurance is completely based on the principle of voluntary, so when the car owner buys commercial insurance, it is not subject to compulsory traffic insurance and time restrictions at all, but before purchasing, it is necessary to determine the compulsory traffic insurance, do not overdue, commercial insurance purchase can be completely freely chosen, any insurance company does not necessarily have to be consistent with the compulsory traffic insurance, you can choose the insurance company you like and trust to insure the vehicle commercial insurance.

It can be operated in this way, because compulsory liability insurance and commercial insurance are not in conflict, and these two types of insurance are not together, so it is okay for you to buy commercial insurance after you buy compulsory liability insurance.

It can be done like this. This is because it is very flexible to buy car insurance, but you must buy compulsory insurance, so you can buy compulsory insurance first, and then buy commercial insurance every few months.

Of course, these are voluntary, and there is nothing mandatory, so you can pay whenever you want.

The calculation of car insurance in the second year is related to whether there is an accident in the first year, and the number of accidents, of course, this refers to the same insurance company and the same vehicle license plate, at the same time, other types of insurance of the vehicle will also reduce the premium with the depreciation of your vehicle and the reduction of the value of the body. In general, the premium for the second year of car insurance should be a little cheaper than the previous year. First of all, the types of insurance calculated for car insurance in the second year include compulsory traffic insurance, commercial insurance, and vehicle and vessel tax.

Secondly, in addition to the fixed vehicle and vessel tax, which is based on the local vehicle and vessel use tax standards, the rest of the compulsory traffic insurance and commercial insurance are generally related to the first year of vehicle insurance. Let's talk about the compulsory traffic insurance first, if the compulsory traffic insurance of the vehicle in the second year** is not out of insurance in the first year, it can be reduced by 10%. Let's look at commercial insurance.

It includes a wide range of coverage, and most car owners will not continue to purchase full coverage in the second year due to practical and financial conditions. However, car damage insurance and third party liability insurance are required, with deductible insurance attached. In addition, car owners can also choose to take out theft insurance or vehicle scratch insurance according to their needs.

Among them, the insured amount of vehicle loss insurance is determined according to the reference price of new cars in the market, and the insured amount of the whole vehicle theft insurance is the reference price of new cars in the market and multiplied by a certain depreciation coefficient according to the age of the vehicle. Due to the large number of insurance types, the calculation of commercial insurance is also the most complicated in the calculation of motor insurance in the second year. If the first year of the vehicle insurance claim, to see the amount of the claim, should not be higher than the premium you paid, if the claim exceeds the premium paid during the year, there is no discount in the second year, compulsory insurance is to see whether there is an accident for which both parties are fully responsible during the insurance period, unilateral accidents, no compulsory insurance claims.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello, dear dear, I'm happy to answer your questions Car insurance can only buy compulsory traffic insurance first, and then buy commercial insurance or even no commercial insurance. Compulsory traffic insurance is an insurance that must be purchased by law, and the vehicle must be used normally, and compulsory traffic insurance must be purchased when driving on the road, otherwise it is an illegal act.

Hello, dear dear, I'm happy to answer your questions Car insurance can only buy compulsory traffic insurance first, and then buy commercial insurance or even no commercial insurance. Compulsory traffic insurance is an insurance that must be purchased by law, and the vehicle must be used normally, and compulsory traffic insurance must be purchased when driving on the road, otherwise it is an illegal act.

Other vehicle insurance is a commercial insurance, and there is no mandatory purchase requirement in laws and regulations. It is a way to diversify the risk with car insurance, and the purchase time can be set by the car owner. If the economy doesn't allow it, it's okay not to buy it.

Legal Analysis: Yes. Car insurance includes compulsory traffic insurance and commercial car insurance, in addition to compulsory traffic insurance is the national compulsory insurance must be bought, commercial insurance is voluntary insurance, car owners can combine their own frequency of use of the vehicle, the degree of care, the usual use of the vehicle road conditions and family economic ability and other comprehensive consideration of whether to buy, when to buy.

Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for the traffic accident liability of the motor vehicle in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 22 In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accidents, and shall have the right to recover compensation from the victim: (1) the driver has not obtained driving qualifications or is intoxicated; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

Article 24 The State shall establish social assistance for road traffic accidents** (hereinafter referred to as assistance**). In any of the following circumstances, the funeral expenses and some or all of the rescue expenses of the victim in the road traffic accident shall be paid in advance by the rescue, and the rescue management agency shall have the right to recover from the person responsible for the road traffic accident: (1) The rescue expenses exceed the liability limit of the compulsory insurance liability for the grand change of motor vehicle traffic accidents; (2) The motor vehicle involved in the accident has not participated in the compulsory insurance of motor vehicle traffic accident liability; (3) Fleeing after a motor vehicle has been hit.

Compulsory traffic insurance is a must, and commercial insurance can be purchased according to your own situation.

Compulsory traffic insurance is the basic insurance to protect the rights and interests of the owner, if you do not pay the compulsory traffic insurance, you can not apply for a license plate, can not officially go on the road, can not enjoy some basic protection, after being found by the public security department, not only need to pay the cost of compulsory insurance, but also pay late fees and will be fined, so the handling of compulsory traffic insurance can not be ignored.

Commercial insurance is voluntary, and now the more important commercial insurance mainly includes car damage insurance, third-party liability insurance, vehicle personnel liability insurance and so on.

Car damage insurance can compensate for the loss of unilateral accident vehicles, but does not include the loss of glass breakage, the loss caused by parking, if the person responsible cannot be found, 30% of the compensation loss, the collision accident is paid according to the proportion of liability, **with the increase in vehicle purchase**, it is more important insurance.

Third-party liability insurance, the scope of compensation is the same as that of compulsory insurance, when making a claim, it is usually settled through compulsory liability insurance first, and then go to the three liability insurance, and the compensation is made according to the proportion of accident liability, and the premium ** corresponds to the corresponding premium according to the size of the insured amount, which is a type of insurance that compensates for others, 200,000-500,000 is recommended**, basically the general accident involving a third party can be claimed.

The role of on-board personnel liability insurance and life insurance is actually similar, so you can buy it or not, but this type of insurance is also called seat insurance, that is, passengers on the bus can also claim compensation if they have personal and property damage, and the cost is relatively cheap.

Full car theft insurance, refers to the specified time is not recalled, the insurance company will compensate according to a certain percentage, if the owner of the car does not have a fixed place to commute, and it is easy to lose the model is recommended to buy.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Commercial insurance is also counted in the number of accidents in the car insurance, which is determined according to the number of vehicle accidents in the provisions of compulsory traffic insurance, regardless of commercial insurance and compulsory traffic insurance.

According to the "Interim Measures for the Floating of Compulsory Insurance Rates for Motor Vehicle Traffic Accident Liability", the floating standard of compulsory traffic insurance rates is calculated according to the road traffic accidents that occur in the insured motor vehicle. Motorcycles and tractors do not float for the time being.

Article 8 If only a road traffic accident without liability occurs, the compulsory traffic insurance rate can still enjoy a downward fluctuation to the jujube width.

Article 9 The calculation range of the floating factor is between the date of issuance of the previous policy and the date of issuance of the current policy.

Article 10 When it is related to a road traffic accident, it shall be floated according to the compensation that has been paid by the compulsory traffic insurance in the previous year. If a claim occurred in the previous year but has not yet been paid, the rate of compulsory liability insurance for the current period will not fluctuate until the rate of compulsory liability insurance for the next year after the compensation is paid.

Summary. Hello, dear, compulsory traffic insurance can be bought for half a year (6 months), but you must meet one of the following conditions to temporarily buy short-term compulsory traffic insurance, if you do not meet any of the following conditions, you can only buy it according to one year:

1.Temporary entry of foreign motor vehicles;

2.Motor vehicles are temporarily on the road;

3.The motor vehicle is less than one year away from the prescribed scrapping period;

4.Regulate other provisions.

Generally speaking, the calculation method of short-term compulsory traffic insurance ** is the annual basic insurance premium and short-term monthly rate coefficient, that is, the basic premium will be determined according to the corresponding amount in the "Basic Rate Table of Compulsory Insurance for Motor Vehicle Traffic Accident Liability", and then the corresponding short-term monthly rate coefficient will be selected according to the insurance period, and the two can be multiplied, and less than one month will be calculated according to one month. [I hope it helps].

Compulsory traffic insurance can be bought for at least a few months.

Hello, dear, the minimum purchase of compulsory car insurance is 12 months. Compulsory traffic insurance, the full name of motor vehicle traffic accident liability and compulsory insurance, is China's first compulsory insurance and insurance system implemented by national laws, according to the relevant national laws and regulations, the car compulsory insurance is at least 12 months to buy. [I hope it helps].

Hello, dear, compulsory traffic insurance can be bought for half a year (6 months), but you must meet one of the following conditions to temporarily buy short-term compulsory insurance, if you do not meet any of the following conditions, you can only buy it according to one year: 1Temporary entry of foreign motor vehicles; 2.

Motor vehicles are temporarily on the road; 3.The motor vehicle is less than one year away from the prescribed scrapping period; 4.Regulate other provisions.

Generally speaking, the calculation of short-term compulsory traffic insurance is the short-term monthly rate coefficient of the annual basic insurance premium, that is, the basic premium will be determined according to the corresponding amount in the "Basic Rate Table of Compulsory Insurance for Compulsory Insurance of Motor Accident Traffic Accidents", and then the corresponding short-term monthly rate coefficient will be selected according to the insurance period, and the two can be multiplied, and less than one month will be calculated according to one month. [I hope it helps].