Do I have to pay for car insurance every year?

Car damage insurance, waiting for you to pay for a crash.

Glass insurance, you will lose money after the glass is broken.

The body is scratched and the paint is off, and you will lose money when repairing.

Vehicle theft insurance, the car is stolen and loses your money.

Third-party liability insurance, the insurance company will pay for the injury caused to someone other than you.

Occupant insurance, you crash yourself, and everyone in your car including yourself will pay compensation.

Spontaneous combustion insurance of the vehicle, the insurance company compensates for the loss caused by the fire caused by the combustion of the car due to aging or other non-external and man-made reasons.

Regardless of the deductible, if you do not have a crash or loss, the compensation amount is only 80%, and you can pay 100% if you do not have it, but it is not absolutely determined according to the specific provisions of the insurance rules.

Traffic accident compulsory liability insurance is a kind of insurance that the insurance company will compensate according to the specific situation after a traffic accident, regardless of whether you are responsible or not. If you are not responsible, you don't have to pay, the insurance company pays.

Nothing else is a must-have.

Compulsory motor vehicle traffic accident liability insurance, referred to as "compulsory traffic insurance", is a type of vehicle insurance for motor vehicles officially launched by Chinese mainland in response to the implementation of the Road Traffic Safety Law, which was officially implemented on July 1, 2006, and officially implemented on July 1, 2007 according to the final establishment of supporting measures. The insurance period of compulsory traffic insurance is 1 year, so it must be paid every year.

The consequence of not paying compulsory traffic insurance is that once the owner has a third-party major accident during the period without compulsory traffic insurance, if there is no protection of compulsory traffic insurance, the car owner will pay a huge amount of compensation in advance. Many people are bankrupt for this, so car owners should not ignore the importance of compulsory traffic insurance and must pay it in time.

If the compulsory traffic insurance expires, it is recommended not to drive on the road and find an insurance company to renew the insurance as soon as possible.

Car insurance is paid every year. The basic rate of compulsory traffic insurance in the first year is a unified fixed rate in the country, and the first year of compulsory insurance is linked to the number of traffic violations and accidents; The cost of commercial insurance is mainly calculated according to the price of the car owner, the type of insurance selected and the number of accidents.

Compulsory traffic insurance is mandatory, and compulsory traffic insurance is paid according to the number of seats in the car. Commercial insuranceYou can also choose a separate insurance according to your own driving.

The answer to this question is yes, car insurance is paid every year. The basic rate of compulsory traffic insurance in the first year is a unified fixed rate in the country, and the first year of compulsory insurance is linked to the number of traffic violations and accidents; The cost of commercial insurance is mainly calculated according to the price of the car owner, the type of insurance selected and the number of accidents.

Compulsory traffic insurance is stipulated by the state and must be paid every year, otherwise it will not pass the annual review.

Commercial insurance is at your disposal, and you can buy it appropriately.

Compulsory liability insurance is mandatory to be paid annually. Commercial insurance is paid according to the individual's wishes.

If the car wants to drive on the road, it must purchase compulsory traffic insurance every year, and the traffic police will fine and detain the car if it is found that the compulsory traffic insurance is not purchased. (Commercial insurance is voluntary, and vehicle and vessel tax is paid at the same time as the purchase of compulsory traffic insurance).

According to the provisions of the "Regulations on Compulsory Traffic Insurance", understanding this aspect can be: 100 million strikes, the middle is: and the pollution and investigation, and finally the combination of pollution and pollution on the road in the People's Republic of China The owner or manager of the motor vehicle shall be insured with compulsory traffic insurance, and if the owner or manager of the 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 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.

Car insurance is paid every year.

Car insurance is divided into compulsory traffic insurance and commercial car insurance. Compulsory traffic insurance is a compulsory insurance, which must be paid, otherwise the vehicle is not allowed to drive on the road. Commercial auto insurance is not mandatory, and you can decide whether to purchase it or not according to your own situation.

However, due to the low amount of compulsory traffic insurance, in the event of a serious accident, the owner also needs to bear the financial compensation, so it is still necessary to buy commercial auto insurance.

The amount of car insurance depends on the situation of the vehicle itself and the type of car insurance insured. The first year of insurance for ordinary economic cars is about 5,000-6,500, and for high-end cars, it is about 10,000 or even 20,000 a year. Therefore, how much car insurance costs is not a fixed value.

The exact amount can only be calculated at the time of car insurance.

Refusal of full car insurance:

1. Losing your car in a paid parking lot.

In general, if the vehicle is stolen in a paid parking lot or in a commercial repair shop, the insurance company will not be responsible for paying for it.

2. Intentional accident by the driver.

According to the terms of the insurance, the driver's intentional act is excluded from liability, so even in the event of any emergency, the insurance company will not be responsible for paying if the accident is caused by the driver's deliberate actions.

3. Items in the vehicle are lost.

According to the insurance coverage provisions in the insurance product, the compensation for theft insurance is only the vehicle itself, not the contents of the vehicle. At present, most insurance companies do not cover the contents of the car, and only a few companies' property insurance products can promise to compensate for the special items in the car.

The above content refers to Phoenix.com - Is car full insurance too expensive? Don't leave anything to chance, these four types of car insurance must still be bought.

Car insurance is required to be paid every year. Compulsory traffic insurance is a compulsory insurance prescribed by national laws and regulations, and it must be paid every year. If the compulsory traffic insurance is out of insurance, then no matter what the reason, as long as the driving on the road is detected, the car will be impounded and fined, and the car owner needs to pay a fine of 2 times the insurance premium to redeem the vehicle.

In addition, if the car insurance is not renewed when it expires, it may also face the problem of rising premium rates. Although commercial auto insurance is a voluntary principle, not a mandatory car insurance, even if the vehicle is not renewed, it can be on the road, but in the event of a traffic accident, then the car owner needs to bear all the claims within the scope of commercial auto insurance.

When renewing the insurance, the owner can choose to renew the insurance online, log in to the official website of the insurance company with a mobile phone or computer to renew, and enter the relevant information of his vehicle according to the prompts on the renewal page, and then you can renew the insurance. You can **renew, call the official of the insurance company**, and renew the policy by dialing**. You can choose the insurance salesman to renew the insurance, basically all the car insurance will have the corresponding insurance salesman to follow up, if you want to renew, the owner can also contact the insurance salesman to handle.

You can also apply to the insurance company for renewal, go to the insurance company's business outlets to renew, bring the relevant documents, driver's license, ID card to the relevant insurance company's business hall for processing, which is currently a way often used by many car owners.

Legal basisArticle 7 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

The compulsory insurance business of an insurance company for motor vehicle traffic accident liability shall be managed separately from other insurance business and accounted for separately.

The insurance regulatory authority shall annually verify the compulsory insurance business of the insurance company for motor vehicle traffic accident liability and announce it to the public; Based on the overall profit or loss of the insurance company's compulsory insurance business for motor vehicle traffic accident liability, the insurance company may be required or allowed to adjust the insurance rate accordingly.

If the adjustment of insurance rates is larger, the insurance regulatory authority shall conduct a hearing.

Car insurance is paid every year. There are two types of auto insurance: compulsory liability insurance and commercial insurance. Compulsory traffic insurance is a kind of insurance that must be insured by the state.

The first-year premium is fixed across the country**. From the second year onwards, a floating rate mechanism is introduced, which is linked to the vehicle's traffic violations and the number of accidents in the previous year. The cost of commercial insurance is mainly calculated based on the price of the car owner, the type of insurance chosen, and the risk profile.

The insurance period for a car is generally one year. When the car insurance expires, the owner must go to the insurance company to renew the insurance for the car, so as not to "run naked" and the life and property safety of the car owner is threatened.

What happens if you don't pay for the car insurance that's due:

1.Whatever the reason, if the owner does not renew the compulsory insurance when it expires, continue on the road. Once discovered, according to the provisions of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the traffic management department of the public security organ will detain the motor vehicle, notify the owner and manager of the motor vehicle to apply for insurance according to the regulations, and pay a fine of twice the insurance premium according to the minimum liability limit of the insurance according to the regulations.

The owner of the car pays premiums and fines to get the vehicle back, causing additional financial losses to the owner.

2.If the vehicle reaches the renewal time of the car insurance, but it is not processed, an extension is allowed, and the owner may face the problem of rate ** when renewing the insurance. Moreover, after the renewal of the "out of insurance", the vehicle needs to be re-inspected, which increases the insurance procedures and brings more trouble to the car owner.

3.Car insurance is not renewed when it expires, which is a potential safety hazard. Car owners know little about the risks behind the "waiver".

Once the vehicle is out of danger during the accident, all losses must be borne by yourself. In the event of a collision with a luxury car or a major accident, the uninsured owner will pay a huge amount of compensation himself. Therefore, the car insurance must be renewed in time when it expires, and the risk will be passed on to the insurance company.

<> car insurance does not necessarily have to be paid every year, it depends on the actual situation:

1.If it is compulsory traffic insurance, then it is necessary to pay every year, which is a compulsory insurance, every motor vehicle must be bought, and only after buying compulsory traffic insurance, can you drive on the road. If you drive on the road without purchasing compulsory traffic insurance, you will be punished after being investigated and dealt with by the traffic management department, usually fined twice the premium of compulsory traffic insurance, and temporarily detain the car.

However, if the time for the compulsory insurance to be out of insurance is too long, for example, some insurance companies stipulate that the compulsory insurance is out of insurance for three months, then when the policy is renewed again, you can no longer enjoy the premium discount of the compulsory insurance;

2.If it is commercial car insurance, then the owner can voluntarily choose to insure, whether to buy or not, that is, if you buy commercial car insurance in the first year, but no longer buy commercial car insurance in the second year, this behavior is allowed. It's just that if there is no commercial car insurance, then the protection of the motor vehicle will be missing.