How to punish the compulsory traffic insurance and how to punish the compulsory traffic insurance

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, and the owner or manager of the motor vehicle shall also be notified to take out insurance in accordance with the regulations, and shall be fined twice the insurance premium that should be paid in accordance with the minimum liability limit for insurance in accordance with the regulations.

Legal analysisCompulsory traffic insurance is a compulsory liability insurance that compensates the victim (excluding the vehicle personnel and the insured person) for the personal and property losses caused by the road traffic accident of the insured motor vehicle within the liability limit. Strictly speaking, the effective date is your breakout date, under normal circumstances, within 30 days, the compulsory insurance can still rise or fall normally according to your insurance situation, but more than 30 days, the compulsory insurance is the standard premium. For example, the use of a car for family self-use or non-operation, no liability compensation, no transfer of ownership of less than six seats (generally a car) new car 950 yuan, the next year 855 yuan, the third year 760 yuan, the fourth year 665 yuan; For new cars with six seats or more (such as 7 or 8 seats) 1100 yuan, 990 yuan for the next year, 880 yuan for the third year, and 770 yuan for the fourth year.

If the insurance is out of policy for more than three months, regardless of the first few years, it will be restored to the standard premium price of 950 yuan or 1100 yuan. Therefore, unless the vehicle is out of service for a long time, it is recommended that the owner renew the insurance within three months of expiration. 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.

Legal basisRoad Traffic Safety Law of the People's Republic of China Article 98 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 ***.

Under normal circumstances, three months after the validity period of the compulsory traffic insurance, it is considered out of insurance, and after the expiration of the compulsory traffic insurance, according to the provisions of China's traffic law, the owner of the car will be fined twice the premium and detained if the relevant departments investigate and deal with the compulsory insurance.

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1. How to punish the compulsory traffic insurance outof insurance.

1. The penalties for the compulsory traffic insurance are as follows:

1) According to 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;

2) Make up the compulsory traffic insurance, and impound the vehicle, expired, renew the insurance as soon as possible;

3) As long as the time of getting out of insurance is not more than three months, you can also enjoy the discount, as long as the owner provides a certificate from the public security organ. A traffic accident that occurs during the period of loss will not cause an increase in the compulsory traffic insurance, and the insurance period of the compulsory traffic insurance is one year.

2. Legal basis for the judgment: Article 98 of the Road Traffic Safety Law of the People's Republic of China.

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 ***.

2. What is the impact of the vehicle being out of insurance?

The impact of a vehicle being out of insurance is as follows:

1. After the insurance is out of insurance, you will not be able to make a car insurance claim, there is no compensation for the accident, you can't pass the annual review, and the traffic police will be found to be fine by Zhixiao's deduction of points;

2. No matter what the reason, if the owner of the compulsory traffic insurance expires and does not renew the insurance and continues to go on the road, 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 of the insurance;

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

4. There are potential safety hazards, once the vehicle is out of insurance during the insurance period, all losses must be borne by themselves.

Compulsory traffic insurance is a compulsory type of insurance by the state, which is to protect the victims in accidents, but because the insurance amount is too low, many people supplement the third-party liability insurance. 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, and the compulsory traffic insurance is out of insurance, the owner of the accident will also face huge compensation.

According to 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 the compulsory traffic insurance, and detain the vehicle. Compulsory traffic insurance is out of insurance, renew the insurance as soon as possible, as long as the time out of insurance does not exceed three months, you can still enjoy preferential treatment, because the compulsory traffic insurance is a compulsory liability insurance for the insured motor vehicle road traffic accident caused by the victim (excluding the car personnel and the insured) personal **, property loss, within the liability limit. Therefore, once the compulsory traffic insurance expires and is not renewed, in addition to facing penalties, the owner of the accident will also face huge compensation.

If you do not pay compulsory traffic insurance, in addition to being administratively punished, you cannot pass the annual inspection. According to the Regulations on Compulsory Traffic Insurance, 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, 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. According to the regulations, compulsory traffic insurance can only be insured once a year.

In addition, the compulsory liability insurance will face the result of rising premiums three months after the expiration of the insurance, according to the relevant regulations, the insurance after three months of the compulsory insurance shall be charged according to the benchmark rate, and shall not be discounted; In addition, the procedures are relatively cumbersome, and the insurance company stipulates that once the vehicle insurance "expires", it is necessary to increase the car inspection link if the subsequent commercial insurance is purchased. Therefore, I advise all car owners and friends to renew a guarantee for their cars in time to avoid some unnecessary troubles.

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The traffic police may impose a fine on double the amount of the basic premium of the compulsory traffic insurance: 1. According to Article 98 of the Road Traffic Safety Law of the People's Republic of China, the owner and manager of the motor lead celery vehicle fails to insure the motor vehicle in accordance with the provisions of the state, and the third party liability compulsorily protects Huaixiang to cover the insurance, which shall be compulsorily insured by the public security organs.

The traffic management department detains the vehicle until it is insured in accordance with the regulations, and imposes a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit of the insurance; 2. All fines paid in accordance with the preceding paragraph shall be included in the social assistance for road traffic accidents**.

The specific measures shall be prescribed by the banquet difference; 3. Let the traffic police check the fine, and then make up for it, if you don't check, and the insurance has not been more than a year will be fine, just buy it directly, and your car will not be reviewed for more than a year.