What is the impact of car insurance being out of insurance, and what is the impact of buying car ins

1.If the vehicle is involved in a traffic accident during the period of insurance, resulting in personal and property damage to yourself or others, then this part of the cost may need to be borne by yourself.

2.Car insurance discount cancellation Car insurance discount is related to the number of vehicle accidents, if the car insurance expires and is not renewed in time, after a certain period of time, you will not be able to enjoy the car insurance discount, and will be restored to the original price.

3. Trouble in renewing car insurance Before the expiration of the car insurance, the renewal can be carried out in accordance with the normal procedures. If you go to the insurance company to renew the insurance after the vehicle has been insured, you may be required to undergo a car inspection, which will increase the handling fee of the insurance.

4. Detain the car and fine the vehicle If the compulsory traffic insurance of the vehicle is not renewed in time when it expires and is found by the traffic police department, then according to the provisions of China's "Road Traffic Safety Law": the traffic police have the right to detain the vehicle and impose a penalty of double the compulsory traffic insurance premium.

Extended information: The types of car insurance mainly include compulsory traffic insurance and commercial insurance, the former is compulsory for the state to purchase, and the latter can be insured by car owners on demand. Specific insurance includes:

1. Compulsory traffic insurance; 2. Vehicle damage insurance; 3. Third-party liability insurance; 4. In addition to deductible insurance, car insurance also includes full car theft insurance, vehicle personnel liability insurance, scratch insurance, glass insurance, vehicle spontaneous combustion insurance, wading insurance, etc.

1. Compulsory traffic insurance: It mainly protects the victim's personal and property losses caused by an accident of the insured vehicle, and the insurance company will compensate within the liability limit, and does not protect the vehicle personnel and the insured.

2.Car damage insurance: If the insured vehicle is damaged due to an insured accident, the insurance company will pay compensation according to the contract.

3.Third Party Liability Insurance: If the insured vehicle suffers an accident and the third party suffers personal or property damage, the insurance company will pay compensation according to the terms of the contract.

4.Excluding deductible insurance: It is an additional insurance, which is based on the premise of insuring the "main insurance", and guarantees that according to the special agreement, after the accident, the insurance company is responsible for paying the deductible amount according to the deductible calculated according to the terms of the main insurance.

In addition, there are also car theft insurance, vehicle personnel liability insurance, scratch insurance, glass insurance, vehicle spontaneous combustion insurance, wading insurance, etc.

1. Renewal privileges are not available. In an insurance year, if the insured does not have an accident, the insurance company will reduce the original premium by 10% on the basis of the original premium at the time of renewal, giving the insured a discount, and the decline will not be repeated after three consecutive years. Once the car insurance is out of coverage, you will not be eligible for this offer.

2. Unable to drive on the road. Car insurance is divided into commercial insurance and compulsory insurance, of which compulsory insurance is the insurance that must be handled on time according to the national regulations, and after the compulsory insurance is out of insurance, in accordance with Article 38 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the insured motor vehicle cannot be on the road.

3. Delay time. After a period of time out of insurance, if the insurance is not renewed in time, the insurance company will re-inspect the vehicle if you purchase car insurance again after a certain period of time. Re-inspections can take a lot of time, and if the car is not in good condition, the insurance company will not cover the car owner.

Fourth, increase expenses. If there is any problem during the out-of-warranty period, the insurance company will not pay for it, and all expenses will be borne by the car owner.

According to 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 purchase motor vehicle traffic accident liability insurance in accordance with the regulations, the traffic management department of the public security organ shall detain the motor vehicle.

To sum up, car owners need to avoid the vehicle being out of insurance and renew the insurance in time.

What is the impact of an insurance outgoing on renewal.

1.There will be an increase in the cost when the policy is renewed;

2.After a period of time out of insurance, we need to check the vehicle again, if the vehicle is not in good condition, the insurance company will not let us buy it again;

3.There is no coverage for a problem with the vehicle during the period of deinsurance.

Regardless of the reason, if the owner of the compulsory traffic insurance expires and continues to go on the road without renewing the insurance, once it is found, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner and 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.

1. In the event of a traffic accident during the period of deinsurance, the insurance company shall not be liable for compensation, and the owner shall bear the corresponding expenses;

2. If the insurance is out for a long time, the original premium discount will be lost, and the rate will rise to a certain extent;

3. After the vehicle is out of insurance, the warranty will be renewed, and the vehicle may be re-examined;

4. If the traffic police investigate and deal with the compulsory traffic insurance on the road, the vehicle will be impounded and a fine of 2 times the premium. Vehicle insurance, i.e. motor vehicle insurance.

Abbreviated as car insurance, also known as car insurance.

It refers to motor vehicles 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 kind of property insurance, in the field of property insurance, brother Mingyun car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance and the emergence and development of automobiles.

1.The cost of virtual training will increase when the policy is renewed;

2.After a period of time out of insurance, we need to check the vehicle again, if the vehicle is not in good condition, the insurance company will not let us buy it again;

3.There is no coverage for a problem with the vehicle during the period of deinsurance.

Regardless of the reason, if the owner of the car does not renew the insurance and continues to go on the road after the expiration of the compulsory traffic insurance, once it is found, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner and manager of the motor vehicle to take out insurance in accordance with the provisions of the poor answer, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit of the insurance.

If you buy car insurance again, there is no discount, that is to say, you are bought according to the original price, and all the preferential policies will be gone.

Further information: Motor vehicle insurance, also known as automobile insurance (referred to as car insurance), refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

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 refers to a type of property insurance. Also known as car insurance. It is a kind of transportation insurance that takes the motor vehicle itself and the third-party liability of the motor vehicle as the subject of insurance.

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 loss insurance and third-party liability insurance, full vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding deductible special insurance, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured. On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

It is valid for 1 year from the date of insurance application.

Even down to the second.

Once the policy is overdue and not renewed.

This is an out-of-warranty vehicle.

The consequences are very serious:

1. Breaking the law on the road, double the penalty and detaining the car.

If it is a compulsory traffic insurance.

It is an offence to be on the road.

The traffic police department has the right to impound motor vehicles.

and double the penalty.

Causing additional financial losses to the car owner.

2. No compensation will be made after an accident.

There is no grace period for car insurance.

Even if the accident occurs only 1 minute beyond the coverage period.

The insurance company will also not make a claim.

3. If the insurance is lost and renewed, the cost may increase.

If the car insurance is overdue, let it be delayed.

Car owners may face the problem of rate increases when renewing their insurance.

You won't be able to enjoy the discounts you deserve.

4. Re-enrollment procedures may be more complicated.

The vehicle after the "out of insurance" may need to be re-inspected.

Increased insurance procedures.

Unnecessary trouble for car owners.

So remember to renew the insurance cost of the car in time.

Sooner rather than later.

Avoid car insurance deactivation due to delays in time, procedures and other factors.

That's more than worth the cost.

After the car insurance is out of insurance, if you buy it again, there is no discount! In other words, you just buy it at the original price, and all the preferential policies are gone!

There is no impact on renewing the car insurance after it is out of insurance, but you are not allowed to drive on the road during the period of the car insurance, otherwise you will be penalized. Renewal is the same as new insurance, directly to the insurance company, you can not be from the previous insurance company, the renewal is the same in which company, as long as the car is not insured, the premium will become cheaper year by year.

There is no impact on compulsory traffic insurance, and commercial insurance is out of insurance for three months, which will affect the discount, and if the insurance is out of insurance for more than half a year, there is basically no discount.

1. The car is out of insurance, and the owner of the compulsory traffic insurance expires without renewing the insurance, and continues to go on the road.

Article 39 of the Regulations stipulates that 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 public security organ shall do so.

The traffic management department shall detain the motor vehicle, notify the owner and 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.

2. If the vehicle reaches the time for car insurance renewal, but does not handle it and allows it to be delayed, the owner will face the problem of rising rates when renewing the insurance. Moreover, the renewal of the vehicle after the "out of insurance" still needs to re-inspect the car, which increases the insurance accompanying procedures, which brings more trouble to the owner.

3. Car insurance.

If the insurance is not renewed after expiration, there are potential safety hazards.

Once the vehicle is out of insurance during the period of deinsurance, all losses must be borne by yourself. In the event of a major accident, the owner of the car who does not have car insurance will have to pay a huge amount of compensation out of pocket.

Extended Materials. 1. The vehicle should be renewed immediately after the insurance is taken out, usually the next day after the renewal of the starvation calendar takes effect, and the owner can renew the insurance immediately in the following ways:

2. Online renewal: Find your own insurance company in the browser and log in to your personal account to renew;

4. The owner should renew the insurance immediately after finding that the vehicle is out of insurance, because the vehicle that has been out of insurance will be checked if it continues to be on the road, in addition to paying the compulsory traffic insurance, the vehicle will also be detained and fined; Lu Limin, who has been out of insurance for more than 2 months, not only needs to re-inspect the car, but also the insurance cost will be **.

2. There are various reasons for the expiration of car insurance, one may be that the car owner has indeed forgotten the specific date of the original insurance, and as a result, he has missed the specified renewal period; The other is that some car owners are lucky, if the previous year has not been out of insurance, they will think that their driving skills are good, and they feel that it is okay to delay a few days, so they will not renew the insurance in time. Unlike life insurance, which has a 60-day grace period for decades, property insurance, including car insurance, is generally covered once a year and there is no grace period, and the policy lapses once the insurance period expires. Regardless of the expiration of the policy, the owner is responsible for accident damage and other compensation that occurs during the lapse period of the policy.

1.The cost of virtual training will increase when the policy is renewed;

2.After a period of time out of insurance, we need to check the vehicle again, if the vehicle is not in good condition, the insurance company will not let us buy it again;

3.There is no coverage for a problem with the vehicle during the period of deinsurance.

Regardless of the reason, if the owner of the car does not renew the insurance and continues to go on the road after the expiration of the compulsory traffic insurance, once it is found, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner and manager of the motor vehicle to take out insurance in accordance with the provisions of the poor answer, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit of the insurance.

Car insurance. There is no impact on renewing the insurance after the insurance is released, but you are not allowed to drive on the road during the insurance period, otherwise you will be penalized. Renewal insurance is the same as the new insurance, directly to the insurance company, you can not be the previous insurance company, the renewal is the same in which company, as long as the car is not insured, the premium will become cheaper year by year.

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

Article 10 of the Regulations shall choose an insurance company that is qualified to engage in compulsory insurance business for motor vehicle traffic accident liability when applying for insurance, and the selected insurance company shall not refuse or delay underwriting. The insurance regulatory authority shall show the insurance companies that have the qualifications to engage in compulsory insurance business for motor vehicle traffic accident liability to the public.

Consequences of car insurance outbreak:

1.If the car insurance is out of insurance, if an insured accident occurs, then the financial compensation needs to be borne by the insured;

2.The annual review of the compulsory traffic insurance in the car insurance is not possible;

3.If you drive on the road, you will be fined and detained after being investigated by the traffic police, which is generally twice the premium of the compulsory traffic insurance, but if the commercial car insurance is out of insurance and drive on the road, there will be no penalty after being investigated and dealt with by the traffic police;

4.If your car insurance has been out of policy for too long, you may face a premium when you renew your insurance policy**.