What to do when the compulsory insurance expires How to renew the compulsory insurance

When the compulsory traffic insurance expires, the car owner will not be penalized for renewing the insurance for a period of time. However, if it is found by the traffic management department during the period before the renewal of the insurance, it will be punished with a fine of twice the amount of the compulsory insurance premium.

The impact of the expiration of compulsory liability insurance.

1. Buckle the car. According to the provisions of the "Compulsory Traffic Insurance Regulations":

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 traffic insurance, and if the owner or manager of a motor vehicle fails to take out compulsory traffic insurance in accordance with the regulations, the traffic management department of the public security organ has the right to detain the motor vehicle.

2. The insurance company is not responsible for compensation.

During the expiration period of compulsory traffic insurance, if a traffic accident occurs, the insurance company will not be liable for compensation if the car owner needs to bear the compensation himself.

Hello! If your compulsory liability insurance expires, please take the initiative to contact the insurance company in time to request renewal. As long as you have access to the Internet, you can easily renew your compulsory traffic insurance through the online car insurance channels of each insurance company anytime and anywhere.

According to the provisions of China's traffic law, if the owner of the car does not take out the compulsory traffic insurance and is found out, he will be fined twice the premium, make up the compulsory traffic insurance, and detain the vehicle. Nowadays, there are not a few people who forget the date of compulsory insurance because they are busy with work, and even fewer people take the initiative to contact the insurance company to ask for renewal.

There is no need to make up for the expiration of compulsory traffic insurance, you can purchase it directly, and it will take effect the next day after purchase. If the compulsory traffic insurance expires, the traffic police will detain the car and double the premium fine. Legal basis: Article 39 of the Regulations on Compulsory Traffic Insurance provides 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.

Where the owner or manager of a motor vehicle reapplies for compulsory insurance for motor vehicle traffic accident liability in accordance with regulations, the motor vehicle shall be returned in a timely manner.

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 insurance mark. 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 vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles.

How to check car insurance:

1. Inquire through the network.

Now that the Internet has become ubiquitous, many things are done through the Internet. Nowadays, many people have inquired about car insurance details through the Internet, such as Yunwen Quick Check. Just open WeChat and search:

Enter the frame number to know which insurances the vehicle has insured in the previous year, what accidents have occurred, the number of distresses, premium calculation and statistical analysis, etc.

Online inquiries can save a lot of time and energy for car owners, so that car owners can understand questions about car insurance without leaving home. Enter your own vehicle information, you can quickly see all types of vehicle insurance costs, so that people can understand their strong insurance content in detail.

2. Inquire through **.

Not only can you check the details of all vehicle insurance, but you can also buy insurance, which is a method that many people use nowadays. Since some insurance companies sell vehicle insurance directly, insurance companies sell many insurances. It is quite convenient and fast to insure your car and inquire about vehicle insurance through **.

Nowadays, many insurance companies have this kind of service, and this service method of Ping An Insurance Company is very popular with people now.

3. Check by going to the staff of the insurance company.

This is the most direct and effective way to inquire about the details of vehicle insurance. This method can better communicate with the staff of the insurance company, so that the owner of the vehicle can understand all the conditions of the vehicle more thoroughly.

The renewal process of compulsory liability insurance is as follows:

1. The policyholder needs to prepare ID card, vehicle driving license and driver's license and the previous year's insurance policy, and the renewal of the bus also needs the organization's ** certificate;

2. You can submit renewal materials and complete the renewal payment through 4S stores, insurance company outlets, insurers or online car insurance platforms.

Compulsory liability insurance is usually renewed within three months before expiration, and there is no specific provision, as long as the compulsory liability insurance is renewed before the expiration, it is okay. If the insurance is not renewed in time, and the traffic police are found to be driving on the road, the car can be detained and the insurance premium paid for the minimum liability limit can be fined twice the amount of the insurance premium.

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, make and model, identification**, license plate number, nature of use, and the name (title), 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 insurance, and other matters stipulated by the insurance regulatory authority.

It is best to renew the compulsory liability insurance before it expires, so as to ensure that there will be no gap in the compulsory liability insurance.

If you don't renew your policy in time, it's very harmful:

1. If a traffic accident occurs, the owner needs to pay the claim amount of the compulsory car insurance;

2. If the compulsory traffic insurance expires, the annual inspection and review of the vehicle will not be accepted;

3. If it is found by the law enforcement traffic police, it will be subject to certain penalties (the punishment standards vary in different places).

Relevant penalty provisions:

Article 98 of the Road Traffic Safety Law of the People's Republic of China stipulates that if the owner or manager of a motor vehicle fails to take out compulsory third-party liability insurance for motor vehicles in accordance with national regulations, the traffic management department of the public security organ shall detain the vehicle until it is insured 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 40 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that if a 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 mark 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.

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

Compulsory traffic insurance is a compulsory insurance, we must pay, if the compulsory traffic insurance is not paid when due, when you inspect the car, the vehicle can not be inspected, and you are caught driving on the road will be fined.

If you find that your compulsory traffic insurance has expired, you don't need to be too nervous, renewing the insurance is a very simple matter, and there is no difficulty. If you have an insurance salesman's ** or WeChat, you directly pass the front and back pages of the driving license and the front and back pages of the ID card, and they will pay directly. If you don't know the insurance salesman, then you can take your driving license and ID card and go directly to the lobby of an insurance company to pay.

After the expiration of compulsory traffic insurance, there are various hidden dangers and risks, and it is best not to get out of insurance.

1. What should I do if the compulsory traffic insurance expires?

1) Compulsory traffic insurance is a compulsory type of national insurance, which is to protect the victims in accidents, but because the insurance amount is too low, many people supplement the third-party liability insurance.

2) However, in the third-party liability insurance contract, the insurance company will agree that it will not be liable for compensation within the scope of compulsory liability insurance. Therefore, if the compulsory traffic insurance is not renewed when it expires, the owner of the car will face huge compensation in the event of an accident.

3) In accordance with the provisions of China's traffic law, after the owner is found to be not insured with compulsory traffic insurance, he will be fined double the premium, make up for the compulsory traffic insurance, and detain the vehicle where to sell.

4) If it expires, renew the insurance as soon as possible, as long as the time of deactivation is not more than three months, you can still enjoy the discount.

5) In accordance with the provisions of China's traffic law, after the owner is found to have not insured the compulsory traffic insurance, he will be fined twice the premium, make up for the compulsory traffic insurance, and detain the vehicle.

2. How to punish the expiration of compulsory car insurance?

Because compulsory traffic insurance is a compulsory liability insurance that the insurance company compensates the victim (excluding the vehicle personnel and the insured) for personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit. Therefore, once the compulsory traffic insurance expires and is not renewed, the owner of the accident will also face huge compensation from Li Li. In accordance with the provisions of the traffic law:

1. Detain the car first;

2. You go to buy compulsory traffic insurance;

3. A fine of 2 times the amount of compulsory traffic insurance you have purchased will be fined.

Legal basis

Article 98 of the Road Traffic Safety Law.

If the owner or manager of a motor vehicle fails to take out compulsory third-party liability insurance for motor vehicles in accordance with the provisions of the State, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and shall be fined twice the insurance premium payable in accordance with the minimum liability limit for insurance in accordance with the regulations. All fines paid in accordance with the preceding paragraph shall be included in the social assistance for road traffic accidents**. The specific measures are stipulated by ***.

Summary. 2) If the insurance policyholder is an enterprise: organization ** certificate (copy, **, choose one of the two).

What should I do if the compulsory traffic insurance expires? How to renew compulsory traffic insurance?

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To renew the compulsory liability insurance, you need to bring the following information to the insurance company:1Driving license (original, copy, **, choose one of the three).

If you need more in-depth answers, you can click on the link below to receive an exclusive service.

2.(1) If the insurance policyholder is an individual, he or she needs to provide: ID card (copy, **, both must be front and back, choose one of the two).

2) If the insurance policyholder is an enterprise: organization ** certificate (copy, **, choose one of the two).

If the compulsory traffic insurance expires, it can be renewed online.

For example, the insurance company can be renewed on the official website or third-party platform.

You can also ask the insurance person to help you renew the policy, or you can bring the relevant information to the insurance company to buy.

Do I need to pay a fine after two days of expiration? Or back to what the problem is not?

If you are caught on the road, you will pay a fine. If you don't hit the road. You can not pay compulsory insurance.

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