What to do if the car insurance expires and you don t pay it, and what to do if you don t buy the ca

The Road Traffic Safety Law stipulates that all motor vehicles must purchase third-party compulsory liability insurance, and if the traffic police on duty find that there is no compulsory traffic insurance vehicle, the vehicle will be temporarily detained, double the penalty, and the traffic management department will return it after completing the insurance procedures.

Getting out of insurance requires you to pay for your own losses and cannot get a claim from the insurance company, mainly because commercial auto insurance is not mandatory to purchase and follows commercial principles.

After the compulsory insurance is out of insurance, the regulations will be more stringent in comparison, more than three days out of insurance may affect the enjoyment of premium preferential activities, and may even be required by the insurance company to renew the insurance must re-inspect the car after the insurance is out, general car insurance and other property insurance is a year without a grace period, no matter how short the policy expires, the accident compensation car owner must be responsible for himself, the owner must be early in the renewal of the insurance not delayed, if you can renew the car in advance is of course the best, if due to time, Delays in formalities and other factors cause the loss of car insurance to outweigh the losses.

You can comprehensively consider the insurance company's industry reputation, after-sales service, response speed, **, contract scope and insurance amount, etc., and at the same time, choose Ping An Insurance to underwrite according to your actual situation.

If you have not paid a fine, you must first pay the fine for violating the violation, and then you can only be reviewed last year, otherwise you will not be examined last year.

The order now is:

1. First take the driving license and ID card to the violation processing hall, hand it over to the staff, and then check the violation for you, ask you to confirm it yourself, there are **, you confirm that your vehicle is violated, open a bill, and then take the list to the designated bank to pay the fine, the fine must be paid within 15 days, if it expires, a late fee of 3% will be charged every day. However, the late fee shall not exceed the total amount of the fine.

2. If the annual examination is overdue, you can also pay a fine.

3. After paying the fine, you can go to the vehicle management office to go through the car review procedures. But your annual examination has expired, and you still have to pay a fine of 200 yuan and deduct 3 points after arriving at the DMV, but this fine and deducted points will be handled directly during the annual review of the DMV, and you will be given a normal annual review after the deduction of points.

If you don't buy the car insurance after it expires, the way to deal with it is: don't drive on the road during the period of insurance, and only after the renewal of the insurance can you drive on the road normally. Car insurance does not mandate that it must be renewed within a certain period of time, but it is recommended to renew the insurance in advance to avoid getting out of insurance, if it has been out of insurance, then do not drive on the road, otherwise the compulsory traffic insurance will be punished by the traffic police after the expiration of the insurance, and after the occurrence of an insured accident, the insurance company will not make a claim for the car insurance that has been out of insurance.

Generally speaking, early renewal is calculated according to the normal premium, and you can also enjoy certain premium discounts, of course, provided that the car insurance has not been insured in the previous year; If the renewal period is extended and the renewal period is exceeded, even if the insurance has not been insured in the previous year, you will not be able to enjoy the preferential treatment of renewal.

There is no distinction between the number of reports but the renewal of the policy**. In general, if there are some small accidents, the owner can solve it by himself and will not cause too much financial burden, for small accidents, it is best not to report to the insurance company, but choose to deal with it yourself. Because if the owner's accident is reported more, when the car insurance is purchased in the second year, the insurance ** will be much higher, and the insurance company may give you the insurance amount or the project, if the car owner does not accept, then the insurance company will not provide insurance services.

Hello, although many people will remember to buy car insurance in time when buying a new car, many people often do not remember to buy a new car insurance when the car insurance is about to expire, which may lead to the expiration of the car insurance and have not yet been bought. So, what happens if you don't buy car insurance when it expires? 1. Accident compensation if your car insurance expires and you haven't bought a new one, because the policy will become invalid as soon as the insurance period expires.

In the event of a traffic accident during this period, you will have to pay for the damage to the vehicle and other compensation, and you cannot find the insurance company to claim compensation. Second, the premium**If your car insurance expires and you haven't bought it, it will lead to the loss of insurance, and once you go out of insurance after the insurance, you are likely to face the situation of premium**, and if you go out of insurance for a certain period of time, you may need to re-inspect the car. Third, the traffic police punishment in the car insurance, compulsory traffic insurance is mandatory to purchase, if your previous year's compulsory traffic insurance expired, this year's compulsory traffic insurance has not been bought, once found by the traffic police, not only will the car be detained, but also punished, and only if you make up the compulsory insurance, the traffic management department will return the vehicle.

Generally, car insurance can be purchased one month in advance, if you really forget, within 3 months of insurance, it still does not affect the premium discount, but beyond this time, the premium discount will be affected, especially the compulsory insurance, will return to the original price.

Of course, during the expiration period, it is recommended not to drive on the road, it is a kind of responsibility for yourself and others, and you will also be deducted points and fines if you encounter a traffic police inspection of the car.

If you see one that doesn't exist, you can buy it right away, but it's just expired, and you will have to bear all the accidents in the future.

1. What should I do if the insurance of the car is not paid when it expires?

1. The insurance of the car has not been paid when it expires. Need to pay in a timely manner, otherwise if there is a traffic accident during this period, it is necessary for the parties to compensate, if it is serious, when it is found by the traffic police, it will be directly impounded on the car to let Hong, and it is twice the insurance cost as a fine.

2. Article 11 of the Compulsory Insurance Clause for Motor Vehicle Traffic Accident Liability.

Except as otherwise provided by national laws and administrative regulations, the insurance period of the compulsory traffic insurance contract shall be one year, subject to the start and end time specified in the insurance policy.

Article 12. When applying for insurance, the policyholder shall truthfully fill in the insurance policy, truthfully inform the insurer of important matters, and provide a copy of the driving license and driver's license of the insured motor vehicle. Important matters include the type of motor vehicle, make and model, identification**, license plate number, nature of use, and the name, gender, age, address, ID card or driver's license number (organization**) of the owner or manager of the motor vehicle, the circumstances of the motor vehicle accident before the renewal of the insurance, and other matters stipulated by the CIRC.

If the policyholder fails to truthfully inform the important matters and has an impact on the calculation of the insurance premium, the insurer shall re-evaluate the insurance premium according to the policy year.

2. How to renew car insurance when it expires.

1. You can bring your ID card, driver's license, driving license, insurance policy, invoice and other information, and go to the business hall of the current insurance company for socks;

2. Or call the current insurance company ****, confirm the relevant information with the insurance personnel, and the salesman will dock with you, handle the relevant documents, and then pay;

3. You can also choose a more convenient way, operate online by yourself, complete the operation according to the above prompts, and pay online.

If the car insurance is not paid when it expires, it must be renewed in time.

Within the territory of the People's Republic of China, the owner or manager of a motor vehicle driving on a road shall, in accordance with the provisions of the law, take out compulsory insurance for motor vehicle traffic accident liability. If the owner or manager of a motor vehicle fails to insure a motor vehicle in accordance with the provisions and has compulsory insurance for traffic accident liability, the traffic management department of the public security organ shall detain the motor vehicle and notify the owner or manager of the motor vehicle to take out insurance in accordance with the regulations, and shall be fined twice the amount of the insurance premium that should be paid in accordance with the minimum liability limit in accordance with the regulations.

One of the types of insurance widely carried out in China is a chaotic round type of insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance, and vehicle theft insurance. Motor vehicle loss insurance is an insurance in which the insured vehicle suffers from a natural disaster or accident within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer compensates in accordance with the provisions of the insurance contract.

If the car insurance expires and you don't pay the spine, you may have the following consequences:

1.If the car insurance expires and does not pay to drive on the road, if the accident occurs, the insurance company will not pay, and the car owner needs to bear all the economic losses and economic compensation responsibilities;

2.If you do not pay the compulsory traffic insurance in the car insurance and drive on the road when it expires, you will be punished after being investigated and dealt with by the traffic police;

3.If the compulsory traffic insurance in the car insurance expires, it will not be able to pass the annual examination of the vehicle;

4.If you do not pay your car insurance for a long time after it expires, you may face a small premium when you renew your insurance policy**.

Vehicle insurance. 1. Vehicle insurance, that is, motor vehicle insurance, referred to as car insurance, also known as Mingao car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

2. Automobile insurance is a kind of property insurance, in the field of property insurance, automobile insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of automobile insurance and the emergence and development of automobile insurance. At the same time, unlike modern axle and bichi-motion vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extends to the risk of collision loss of the car body.

Classification of car insurance: 1. Commercial insurance is indefinite value insurance, which is divided into basic insurance and additional insurance, of which additional insurance cannot be independently insured. Basic insurance includes third party liability insurance and vehicle damage insurance (vehicle damage insurance); Additional insurance includes full vehicle theft insurance (theft insurance), on-board liability insurance, no-fault liability insurance, on-board cargo falling liability insurance, glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and special insurance excluding deductibles.

2. The compulsory traffic insurance (that is, the compulsory insurance of motor vehicle traffic accident liability) also belongs to the third-party liability insurance in a broad sense, and the compulsory traffic insurance is a mandatory type of insurance, and the motor vehicle must be purchased to be able to drive on the road, annual inspection, and go to the household, and in the event of a third-party loss that needs to be claimed, the compulsory traffic insurance must be paid first and then other types of insurance must be paid.

Legal basis

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 39.

If the motor vehicle driving on the road is not placed with an insurance sign, the traffic management department of the public security organ shall detain the motor vehicle, notify the party concerned to provide the insurance sign or go through the corresponding procedures, and may be given a warning or a fine of not less than 20 yuan but not more than 200 yuan.

If the party concerned provides the insurance mark or goes through the corresponding formalities, the motor vehicle shall be returned in a timely manner.

If the insurance of the car is not paid when it expires, it is necessary to renew the insurance in time. Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that 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 insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law. These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.

The first paragraph of Article 38 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 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. Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 2 The owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Law on the Safety of Road Traffic Accidents. These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for 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 provisions of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, 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 payable in accordance with the minimum liability limit for insurance in accordance with the regulations.