What happens if I buy car insurance a few days late, and can I pay car insurance one day later?

1. It is okay to pay the compulsory traffic insurance one month late, but the car is not allowed to go on the road during the postponement period, and if it is on the road, it is a violation of the road traffic safety law.

2. According to Article 39 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the owner or manager of a motor vehicle fails to purchase 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 apply for 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.

3. In addition, the expiration of car insurance will also affect the enjoyment of renewal discounts, and may not be able to enjoy premium discounts, so it is recommended that car owners renew their insurance in time.

As for whether the payment of car insurance can be deferred, and the period of deferred payment, it is recommended to consult the corresponding insurance company, and the regulations of the insurance company shall prevail.

If you don't get caught, it's okay if you don't have an accident, because if you don't buy the car insurance after it expires, the insurance company won't pay if something happens, which is equivalent to getting out of insurance in a short time. Car insurance can be bought three months in advance, and the new policy will take effect immediately from the time the previous car insurance policy expires, so it is not recommended to delay, unless there are special circumstances, such as you don't want to buy it this year, or your financial situation is limited. If the economic situation is limited, it is easy to solve, and now there are some platforms that can be used for car insurance installments, and I don't know exactly which one, but you can learn about it online.

If you are busy and don't have time to buy car insurance offline, my personal suggestion is to consider an Internet platform such as Haozhou Software, **Inquiry, and it will take more than ten or twenty minutes to buy car insurance, which is more convenient. All in all, it is not recommended to get out of insurance, there is no problem in a short period of time, but there is also a certain amount of risk that you need to bear.

Be careful, don't be found by the traffic police, don't have an accident.

Conclusion: If you can accept the following risk losses, you can pay the car insurance late, and you can pay it as late as you want.

1.If the compulsory traffic insurance is not renewed in time when it expires, it is illegal to drive on the road.

Compulsory traffic insurance is a type of insurance that the state compels car owners to purchase, and the law does not allow them to go on the road if they are not purchased. If the insurance is not renewed in time after the expiration and the payment is interrupted, and the traffic police are caught on the road without insurance, the vehicle will be detained, not only will you be fined 2 times the premium, but you will also be able to continue on the road after you are insured! It is equivalent to passively buying insurance with 3 times the premium + time and energy that I don't know how long it will take.

2.When the car insurance expires, the policy lapses immediately, and in the event of a traffic accident, all the losses are borne by yourself.

When your car insurance expires, the insurance company's liability to you ends. If you accidentally hit a luxury car, it can be as little as tens of thousands, or as many as millions, and you can repair your own car.

It's just a huge loss in money, and it's not too light. If you accidentally hit a pedestrian who suddenly jumped out, or an electric car that crossed the road, and the sudden braking caused injuries to the people in the car, the problem of people is always an endless problem, and the money, time, and energy invested are countless. If there is car insurance, basically most of the claims can be handed over to the representative of the insurance company to deal with on behalf of the insurance company, if not, they will deal with the unfinished ** and debt collection, Shen Qing Slip Sen lawsuit, or even court trial.

3.If the car insurance is not renewed in time when it expires, you will lose your eligibility for the discount.

Compulsory traffic insurance and commercial insurance.

In some areas) for one consecutive year or more than one year without insurance, the next year's premium is preferential, take the compulsory traffic insurance as an example: no traffic accidents for one consecutive year, the premium is reduced by 10% No traffic accidents for two consecutive years, the premium is reduced by 20% No traffic accidents for three consecutive years or more, 30% reduction.

However, if the policy is not renewed for more than 3 months, the accumulated preferential period will be cleared, and the preferential qualification will be lost, and the premium for the next year will be restored to the original price, and you will not be able to enjoy a penny discount.

More than 1 day or more than a few months, sometimes forget is forget, and in a blink of an eye, the discount that has been saved for several years is gone.

If there is an accident on the day of the insurance, all the responsibilities are borne by yourself, and the insurance company will take care of you.

It is okay to buy car insurance 2 days after it expires. Generally speaking, in order to ensure that the accident insurance company of the vehicle can accept and settle claims normally, it is best for the car owner to renew the insurance in time. It is understood that the term of car insurance protection is 1 year, there is no renewal grace period when car insurance expires, and vehicle accidents that are out of insurance for one day are no longer covered by insurance, so it is recommended to renew the insurance in time.

Car Insurance Renewal Method:

1. Purchase through the business outlets of insurance companies.

The policyholder only needs to bring a driving license.

A copy of the ID card can be handled at the business point of the insurance company, such as life insurance, PICC, Pacific and other formal large enterprises, which can have better protection.

2. 4S store for purchase.

It is indeed more expensive for the 4S shop to buy insurance on behalf of the car owner than the outside, but when the vehicle has an accident, the one-stop service of the 4S shop for maintenance claims can save the car owner a lot of time and energy. This is also the way that many car owners who are afraid of the cumbersome service will choose, and pay more money to change the spine service.

3. Call ** to purchase.

Car owners can directly call the insurance company's ** and then follow the voice prompts to make a purchase. If you don't know how to operate, it is recommended to find a manual service directly.

Car insurance coverage.

Car insurance mainly includes compulsory traffic insurance, vehicle loss insurance, third-party liability insurance, and vehicle personnel liability insurance.

1.Compulsory traffic insurance: After the insured vehicle is involved in a traffic accident and causes personal and property damage to the victim, the insurance company will compensate within the liability limit. Reparations usually include victims.

of death and disability, medical expenses, and property damage.

2.Car damage insurance.

Car damage insurance is an insurance that pays for the loss of the vehicle, and uses cherry blossoms to reduce the loss caused by damage such as car collisions.

3.Third-party liability insurance: In the event of an accident that causes losses to a third party, the owner of the vehicle can be compensated accordingly.

4.On-board personnel insurance: mainly provides protection for passengers on board. If the occupants of the vehicle have purchased accident insurance.

Then the user does not need to purchase seat insurance.

Finish. If the occupants of the car do not purchase, users can selectively purchase a certain amount of insurance according to their own economic situation.

Seat insurance.

Hello! At present, car insurance can be bought one month in advance, but the owner had better not do this, because the car insurance is bought in advance in order to continue the first year of insurance, but if the car owner renews the second year too early, if there are unclaimed accidents in the first year, the insurance company will directly accumulate to the second year, so that the number of claims in the second year of the car owner will be "unreasonable" one more time. However, it can't be too late, because once the first year of car insurance expires, the owner has not gone to the insurance company for insurance, it is likely to appear "out of insurance" phenomenon, so that once an accident occurs in this gap, all losses will have to be borne by the owner himself, so it is recommended to renew the car for the second year It is best to choose 1 day to 2 days in advance, because the effective time of car insurance is generally 0:00 the next day, so this time period is the best time to insure.

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

1. The car has been stranded for a long time.

There are 12 months in a year, but there are only months in the car, for this case, the car owner can set the effective time of the insurance at the beginning of the first month of the car, and then on the first.

2. If the policy is surrendered at the end of three months, the policy has not expired, and the premium may not be as cost-effective as one year after the policy is surrendered.

2. Transfer of vehicles.

If you don't need a car within a month, then you don't need to buy commercial insurance; If you still use the car, it is recommended that you can buy it for one year, and you can apply for surrender or transfer the policy to the new owner before the transfer.

3. Buy a new car.

Some car owners want to change to a new car, if the old car policy expires, you can get the car after a month, it is recommended that you do not drive for the time being in this month, because the purchase of a month's premium is more expensive than the purchase of a year's premium, so it is not cost-effective. Because after buying a new car, you have to buy car insurance, it is better to leave the car at home for a month; If you are busy and need to drive, buy a one-year insurance policy and apply for a surrender when you don't need the car.

It is okay to buy a few days later after the expiration of car insurance, but it should be noted that during the period of car insurance out-of-insurance, the vehicle must not be driven on the road, not only after the accident, the owner needs to bear all the liability for compensation, and if there is no compulsory traffic insurance to be found, it will also be punished. In addition, if the car insurance has been out of policy for a long time, the premium may be small** when you pay the premium again. Generally speaking, it is recommended that car owners renew their car insurance before it expires, and even if they have to pay later, it is best not to take out the insurance for too long and not to drive on the road.

Car insurance, i.e., motor vehicle insurance.

Referred to as car insurance, it refers to the motor vehicle due to natural disasters.

or a kind of commercial insurance that is liable for personal ** or property damage caused by accidents.

Auto insurance is a type of property insurance, which continues to develop and mature with the emergence and popularity of automobiles.

In addition to the compulsory traffic insurance that the state compulsorily requires motor vehicle owners to purchase, other motor vehicle insurance is divided into two categories. These two types of insurance include two types of basic insurance: the first type of insurance is basic insurance, including vehicle damage insurance.

The other type is the additional insurance voluntarily insured by the car owner, which mainly includes the whole car theft insurance and the car liability insurance.

Glass breakage insurance, spontaneous combustion loss insurance, excluding deductible special insurance and other types of insurance.

The basic function of insurance is to organize financial compensation.

And the realization of the payment of insurance money, is also the basic function of motor vehicle insurance. Through motor vehicle insurance, the various risks and losses faced by enterprises, families and individuals who own motor vehicles can be dispersed and passed on to the whole society, reflecting the social principle of "collecting dangers and dispersing losses". Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle damage insurance and third party liability insurance.

1. No compensation in case of accident.

If the car insurance has expired and the car owner does not renew it in time, the insurance company will not pay for the car insurance accident during the expiration period. In this way, the property damage caused by the accident and the expenses incurred by the personal ** must be borne by the car owner.

2. Face penalties.

Compulsory traffic insurance in car insurance is a must-buy insurance for motor vehicles, and vehicles that have not purchased compulsory traffic insurance are not allowed to go on the road. If the compulsory traffic insurance expires and is found by the traffic police imitation department, then you will face a fine of detaining the car and the corresponding amount, and the detained vehicle can only go to the traffic police department to pick up the car after handling the compulsory traffic insurance.

3. Lose your car insurance discount.

It is understood that if the vehicle compulsory insurance is out of insurance for too long and sells hail, the reinsured car owner will no longer be able to enjoy the previous rate concessions. In addition, if the vehicle has a traffic accident before the renewal, then Zhongdafan will have a claim record when renewing the insurance, resulting in the inability to enjoy the discount, and even the premium may rise.

1. How long can the car insurance be postponed when the car insurance expires?

1. The expiration of car insurance can be postponed for up to 90 days. The driver needs to have a period of 3 months before the original car insurance company can still accept the renewal. According to the regulations, vehicles that are not insured with compulsory traffic insurance are not allowed to go on the road, and in order to prevent the compulsory traffic insurance from being out of insurance, they can pay premiums in advance.

2. Legal basis: Article 11 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

When the policyholder applies for insurance, he or she shall truthfully inform the insurance company of important matters.

Important matters include the type of motor vehicle, the brand type, identification**, license plate number, the nature of use and the name (name), gender, age, residence, ID card or driver's license number (organization**) of the owner or manager of the motor vehicle, the accident of the motor vehicle before the renewal of the insurance, and other matters stipulated by the insurance regulatory authority.

Article 12. When signing a compulsory insurance contract for motor vehicle traffic accident liability, the policyholder shall pay all the insurance premiums at one time; The insurance company shall issue an insurance policy and an insurance mark to the policyholder. The insurance policy and insurance logo shall indicate the insurance policy number, license plate number, insurance period, name and scale of the insurance company, address and claim number.

The insured shall place an insurance mark on the insured motor vehicle.

The style of the insurance logo is unified across the country. The insurance policy and insurance mark shall be supervised by the insurance regulatory authority. No unit or individual may forge or alter or use forged or altered insurance policies or insurance marks.

2. What insurance is required for new cars?

1. Compulsory traffic insurance, all vehicles must purchase a type of insurance for the spine;

2. Third-party commercial liability insurance, since the amount of claims made by the compulsory traffic insurance is limited, the purchase of the third-party insurance can compensate for the part that cannot be claimed by the compulsory traffic insurance;

3. Excluding deductible insurance, excluding deductible insurance is an additional type of additional insurance for automobiles;

4. Car damage insurance, no matter if the car is damaged, such as collision, scratch, water soaking, etc., you can get the insurance company's claim.