Is there any liability for an uninsured vehicle in a traffic accident?

Compulsory traffic insurance must be purchased, and ordinary commercial insurance can freely choose whether to buy it. If you don't buy compulsory traffic insurance, if the traffic police find it, one is to detain the car, the other is to pay the compulsory traffic insurance, and the third is to double the compulsory traffic insurance premium.

1. After the traffic accident responsibility is reported to the police, the traffic police shall analyze and determine the causal relationship between the behavior and the accident according to the on-site investigation, investigation and evidence collection. Those who are not satisfied with the determination of responsibility for the accident may apply for a review within three days of receiving the accident determination letter.

2. If you are really not responsible, according to the law, you also have to bear 10% of the liability of the compulsory traffic insurance.

It should be determined according to the driver's violation and accident liability, and there is no causal relationship with whether to purchase compulsory traffic insurance.

In accordance with the Road Traffic Safety Law of the People's Republic of China

Article 11 When driving a motor vehicle on the road, the motor vehicle number plate shall be hung, the inspection mark and the insurance mark shall be placed, and the motor vehicle driving license shall be carried with the vehicle. The number plate of the motor vehicle shall be hung in accordance with the provisions and kept clear and complete, and shall not be deliberately covered or defaced. No unit or individual may confiscate or detain a motor vehicle license plate.

Article 95 Where a motor vehicle driving on the road does not hang a motor vehicle number plate, does not place an inspection mark or insurance mark, or does not carry a driving license or driver's license with the vehicle, the traffic management department of the public security organ shall detain the motor vehicle, notify the parties to provide the corresponding license plate or sign or go through the corresponding formalities, and may be punished in accordance with the provisions of Article 90 of this Law.

Where the parties provide the corresponding licenses or signs or go through the corresponding formalities, the motor vehicles shall be returned in a timely manner. Those who intentionally obscure, deface, or fail to install motor vehicle number plates in accordance with provisions shall be punished in accordance with the provisions of Article 90 of this Law.

Liability for violations: 1. Driving without a license: a fine of 2,000 yuan, impoundment of the motor vehicle, and detention for 15 days.

2. Driving an unlicensed vehicle: a fine of 200 yuan and a temporary seizure of the vehicle. Description:

The seized vehicle must wait for the driver to obtain a driver's license or be collected by a witness, if collected by a witness, the person will accept the following penalties: a fine of 2,000 yuan, and the driver's license will be revoked. If the seized vehicle is not recovered within three months, the vehicle will be auctioned off and the proceeds will be paid to the State Treasury.

3.In the event of an accident, he was detained for 15 days. The responsibility for the accident is not necessarily fully responsible, and the responsibility is determined in accordance with the [Accident Responsibility Determination] issued by the traffic police.

It can be reported that compulsory liability insurance is divided into commercial insurance and compulsory liability insurance. Compulsory motor vehicle traffic accident liability insurance and motor vehicle third-party liability insurance that consumers are familiar with belong to the same type of insurance, and both are types of insurance that ensure that third-party victims in road traffic accidents receive timely and effective compensation. It's just that compulsory liability insurance is legally mandatory, and the past three liability insurances are all commercial.

Motor vehicle three liability insurance has a strong public welfare, after the owner of the three liability insurance, once a traffic accident, the insurance company will provide compensation to the injured third party, which is of great significance to protect the legitimate rights and interests of citizens and maintain social stability. After a traffic accident, it is different whether the non-responsible party should report the two types of insurance. Commercial three-liability insurance adopts the principle of fault liability, that is, the insurance company determines its liability according to the accident liability borne by the insured in a traffic accident.

However, compulsory traffic insurance implements the principle of no-fault liability, that is, regardless of whether the insured is responsible for the traffic accident, the insurance company will compensate within the liability limit. At present, the terms and rates of commercial three liability insurance companies are different from each other, and there are liability limits of 50,000 yuan, 100,000 yuan, 200,000 yuan and even more than 1 million yuan. The liability limit of compulsory traffic insurance is uniformly stipulated across the country, and the unified insurance terms and basic rates are implemented nationwide.

If consumers believe that compulsory liability insurance cannot meet their own protection needs, they can solve the problem by voluntarily purchasing commercial three-liability insurance. Because commercial three-liability insurance products will not disappear from the market with the emergence of compulsory liability insurance, the two are parallel. Therefore, if you take out both types of insurance, after a traffic accident, the non-responsible party can get compensation from the compulsory traffic insurance, but there is no need to report commercial insurance.

Answer: In a traffic accident, if the party is determined not to bear the corresponding responsibility, it can also be reported for insurance, provided that there is a result of property damage or personal injury. According to the Regulations of the People's Republic of China on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if a road traffic accident occurs in an insured motor vehicle and causes losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. According to Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the insured motor vehicle has a traffic accident on the road and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability 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.

Legal analysis: in a traffic accident, the other party bears full responsibility, but does not purchase insurance, by the fully responsible party to bear the liability for compensation, regardless of whether to buy insurance, and the letter to the victim caused by the property loss are compensated by the full responsible party, but if there is insurance, the insurance company can bear part of the liability to call the stupid wheel, and at the same time, the public security organ can carry out administrative punishment if the stall does not purchase compulsory traffic insurance.

Legal basisInterpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Cases of Compensation for Damages in Road Traffic Accidents Article 19 Where a motor vehicle that has not been insured with compulsory traffic insurance in accordance with law causes damage caused by a traffic accident, and the parties request that the insurance obligor compensate within the liability limit of the compulsory traffic insurance, the people's court shall support it.