What happens if you only buy compulsory traffic insurance after buying a new car?

Only buy compulsory traffic insurance can be on the road and deal with minor scratches, if it is an accident compulsory insurance is not enough to pay, the rest need to be fully responsible. Compulsory traffic insurance is compensation for the loss of the injured party, but the amount of compensation is limited, the maximum is only 10,000 yuan, and the car owner who has purchased car insurance does not compensate for his own losses. Today's traffic accidents occur frequently, and an ordinary collision and a rear-end collision cannot be solved by one or two thousand, and commercial auto insurance is still needed to supplement.

Compulsory traffic insurance is compulsory insurance of the state, and only after purchasing compulsory traffic insurance can you drive on the road. According to the provisions of the Regulations on Compulsory Traffic Insurance, 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, 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.

1. There are three types of insurance that must be bought - compulsory traffic insurance, third-party liability insurance, and car damage insurance.

1.Compulsory traffic insurance and third-party liability insurance must be bought, but don't ignore car damage insurance, especially for novice drivers who are not skilled in driving, car damage insurance can ensure that their vehicles can be compensated in the event of an accident.

2.Car damage insurance is an insured accident that occurs while driving the insured vehicle while the insured or the driver allowed by the insured, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range. Like many types of insurance, car damage insurance has its own deductibles.

Under normal circumstances, the insurance company will deduct the corresponding accident liability waiver according to the size of the car owner's responsibility in the accident.

2. Can I not buy commercial car insurance?

You can choose not to buy it, but it is recommended to buy the usual type of insurance.

Including vehicle loss insurance + third party liability insurance + full vehicle theft insurance + vehicle personnel liability insurance + deductible insurance. New cars are prone to theft, so take out a full car theft insurance; The driver of the new car may not have enough driving experience, and the insurance of on-board personnel liability insurance provides more protection for himself and his passengers, and the four basic insurance types plus no deductible are the most cost-effective, so they are also the most popular insurance combination.

Hello! Compulsory traffic insurance is the basic liability insurance that the state mandates to purchase, and only buying compulsory traffic insurance can travel on the road normally, but it is not recommended!

Before buying car insurance, it is recommended to take a look at the following article:

Car insurance is too expensive, can I only buy compulsory traffic insurance? You must know, otherwise you will suffer on the road!

Compulsory traffic insurance is compulsory to purchase, although there is protection in case of accidents, but the amount of compensation is not high. In addition, the essence of compulsory traffic insurance is third-party liability insurance, which only pays the third party in the accident and does not compensate itself.

For example, Xiao Wang drove a mobile phone and unfortunately rear-ended a luxury car, resulting in a repair cost of 100,000 yuan. Therefore, for ordinary people, it is far from enough to buy compulsory traffic insurance, and commercial auto insurance is also needed.

If you buy a new car, you can only buy compulsory traffic insurance, but if the vehicle collides with other cars, there is no commercial insurance. Some of the compensation is self-compensated. So there's still a certain amount of risk associated with this.

If you are using your own car daily, it is completely enough to pay a compulsory traffic insurance, and recently there have been certain changes in the compulsory traffic insurance, and you can also get higher compensation.

Legal analysis: A new car can only buy compulsory insurance, which is compulsory, and others can be purchased according to personal needs.

Legal basis: Article 39 of the "Compulsory Insurance of Motor Vehicle Traffic Accident Liability" stipulates that if the owner or manager of a motor vehicle fails to purchase compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of Bichi, 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 of the number of traces insurance in accordance with the regulations.

If the value of our vehicle is relatively high, we can choose to buy some insurance products with a higher sum insured, so that we can get more compensation when we encounter various traffic accidents. If we drive on the road without purchasing compulsory traffic insurance for the vehicle, then we are likely to be detained by the traffic department and fined accordingly, which will also have a greater impact on us, so we must pay attention.

First of all, a new car can only buy compulsory traffic insurance. Commercial insurance is not legally mandatory.

Secondly, how to buy insurance and need to book a car when you need to make an agreement with the vehicle dealer. Because dealers don't make much money selling cars, they mainly rely on mortgages and insurance rebates to make money, if you don't have a mortgage and no insurance, it means that the dealer has no money to make money, and you will be asked to pay what warehouse storage fees are strange and strange, so discuss in advance, dealers are not doing public welfare.

If there are some small problems, the compulsory traffic insurance will not reimburse you, which is very troublesome, and it is best to buy some commercial insurance.

Yes, but in this case, the scope of protection is not particularly complete, and it will also affect the individual's economy later, and after a major accident, the individual needs to bear a relatively large share.

Of course, you can, these are your own choices, there is no mandatory at all, and you can also buy your favorite insurance.

If the new car we just bought is paid for compulsory insurance, then we have to consider the ** of this car. If the compulsory insurance is a short-term compulsory insurance, then it is likely that the manufacturer will pay for us. If our compulsory traffic insurance is a long-term compulsory traffic insurance, then it is very likely that the car is a second-hand car, and it is the compulsory traffic insurance paid by the owner of the previous car.

It shows that our car is likely to have been used by others, and we should make it clear in a timely manner, explain the situation, and should protect our legitimate rights and interests. <>

When we buy a vehicle, according to the relevant laws and regulations, we must apply for a compulsory traffic insurance for our vehicle, which is also a compulsory insurance, and it is an insurance product that every car owner must handle for his vehicle. If we don't have compulsory traffic insurance for our vehicles, we can't drive on the road. We should abide by the corresponding laws and regulations, and apply for relevant compulsory traffic insurance for our vehicles in a timely manner before we can drive on the road.

If we do not apply for compulsory traffic insurance on the road, then once we are found by the traffic police department, we will detain our vehicle and impose corresponding fines, which has a very big impact on ourselves, so we must not do this kind of thing, we should apply for compulsory insurance of vehicles in a timely manner. When we apply for vehicle insurance products, we also need to compare the products in the market and choose the ones with better quality. <>

We should go to the legal and formal platform to buy the corresponding insurance products for our vehicles, so that we can make the vehicle insurance products we buy more secure, and at the same time, we can also enjoy the due after-sales service. Try to choose large companies with a good reputation, because the after-sales of these companies are very good, and most people will go to these companies to buy insurance products, so these products are also worthy of our trust.

Maybe this car has been bought by others before, so there will be compulsory insurance, it is best to go to the 4S store to inquire in detail, generally new cars do not have compulsory insurance, you must pay yourself.

It is very likely that the 4S shop carried out the operation behind your back, or it may be because your car is a second-hand car, so it will be like this.

It is very likely that someone else bought the wrong one, so they will go to our car, and at this time we should go to the relevant departments to check that there is a problem.

Summary. The new car already has compulsory traffic insurance, which may be 4S self-pickup (usually unified logistics transportation), and it is necessary to have insurance when you get on the road. If the manufacturer can't find a sales record, it means that the car has not been sold.

If you have paid commercial insurance, most of them are not wanted by others.

The new car already has compulsory traffic insurance, which may be 4S self-pickup (usually unified logistics transportation), and it is necessary to have insurance when you get on the road. If the manufacturer can't find any sales records buried there, it will be relieved or that the car has not been sold. If you have paid commercial insurance, most of the bends are not wanted by others.

When I went to pick up the new car, I found that the compulsory traffic insurance had been purchased by the 4S store several months in advance! It was purchased in the name of a 4S store, and it is certain that this new car compulsory traffic insurance was bought in the name of 4S.

Didn't the above tell you?

But I didn't tell me when I picked up the car that the car had been covered with compulsory insurance! Just tell me about the gift from the company!

Surely you won't be told when you pick up your car.

What's the point of starting to tell you.

Summary. Dear, hello, the reason why the new car compulsory traffic insurance has been bought:

Because when buying a new car, the state stipulates that you must buy compulsory car insurance, and other types of motor insurance can be purchased as needed.

Compulsory traffic insurance, the full name of compulsory motor vehicle traffic accident liability insurance, is the first compulsory insurance system implemented by national laws and regulations in China.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulate that compulsory traffic insurance is a compulsory liability insurance for the insured motor vehicle to compensate the victim within the liability limit for the personal and property losses caused by the insured motor vehicle road traffic accident, excluding the vehicle personnel and the insured.

Why has the new car compulsory insurance been bought.

Dear, hello, the reason why the new car compulsory insurance has been bought: because when buying a new car, the state stipulates that compulsory car insurance must be bought, and other types of mobile dust insurance can be purchased as needed. Compulsory traffic insurance, the full name of compulsory motor vehicle traffic accident liability insurance, is the first compulsory insurance system implemented by national laws and regulations.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulate that compulsory traffic insurance is a compulsory liability insurance for the insured motor vehicle to compensate the victim within the liability limit for the personal and property losses caused by the insured motor vehicle road traffic accident, excluding the vehicle personnel and the insured person.

Why do 4S stores buy compulsory traffic insurance in advance?

Before the 4S store sold the car, it bought compulsory traffic insurance, and there were only two cases. In the first case, the 4S store buys insurance in advance in order to complete the manufacturer's annual sales task. In the second case, the vehicle was sold to someone else and was returned by someone else, so it purchased compulsory traffic insurance.

Formal, not temporary. If it is an official type 1 of the basic Shen Nian confrontation strong insurance, it proves that the car has been ticketed and sold once. Because the normal process of buying compulsory traffic insurance, Du Bujing is required to purchase a car invoice.

Hello Mr. Jiang, in this case, I will refund the deposit, can I return it?

Dear, in this case, the deposit cannot be refunded.

New cars can only buy compulsory traffic insurance. When applying for insurance, the policyholder should truthfully inform the insurance company of important matters. Important matters include the identification** of the motor vehicle, the license plate number, the nature of use, and the name, gender, age, residence, ID card or driver's license number of the owner or manager of the motor vehicle.

What are the procedures for compulsory traffic insurance?

1. The owner of the car should bring the relevant documents to the insurance company with the qualification to operate compulsory insurance;

2. Under the guidance of the insurance company, fill in the insurance policy truthfully;

3. The insurance company's handling personnel inspect and verify the vehicle to ensure that the policy content of the insured vehicle is consistent with the driving license and the actual vehicle information;

4. Determine the amount of insurance premium according to the nature of the use and the actual situation of the vehicle. The insurer reviews the insurance policy, and the premium standard and limit of compulsory insurance.

Legal basis: Article 39 of the Regulations on Compulsory Insurance for Blind 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 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.

Summary. Consumers may encounter a requirement to buy insurance in the 4S store when buying a car in the 4S store, and are also required to have commercial insurance outside the compulsory traffic insurance, the premise of this situation is generally that the car in the store is much lower than other 4S stores in the same city or surrounding areas, the 4S store first uses low prices to attract customers to the store, and after a detailed discussion, it will tell you that the premise of enjoying the lowest car price discount is that you must have ** car insurance in the store, if you are not in the 4S store ** insurance may not be able to enjoy the lowest discount on the vehicle, So when buying a new car, what should you do if a 4S store forces you to buy car insurance? Insider:

In one sentence.

The new car I just bought was paid for compulsory insurance, what is going on?

Consumers may encounter the requirement to buy insurance in the 4S store when buying a car in the 4S store, and they are also required to have commercial insurance outside the compulsory traffic insurance, the premise of this situation is generally that the car in the store is much lower than other 4S stores in the same city or surrounding areas, the 4S store first uses low prices to attract customers to the store, and after a detailed discussion, it will tell you that the premise of enjoying the lowest car price discount is that you must have ** car insurance in the store, if you are not in the 4S store ** insurance may not be able to enjoy the lowest discount on the vehicle, So when buying a new car, what should you do if the 4S store forces you to buy car wax stove insurance? Insider: In a word, make a wheel and pretend.

I bought a new car, and people said that they had paid the compulsory traffic insurance for two months, so what's going on?

Why is this the case?

Each car compulsory insurance can only be purchased once, and it cannot be purchased repeatedly. If you find that the new car has been covered by the compulsory traffic insurance when you buy a car, then at this time check when the expiration time of the compulsory traffic insurance rock crust is. In the quiet cave next year, it is enough to purchase compulsory traffic insurance for this vehicle normally.

Could it be that I was deceived Bought a second-hand car, it was the previous owner of the traffic.

Delivered. No, dear, because you can only pay it once a year.

Is there such a situation for new car advance compulsory insurance? Why did you pay it in advance? Could it be that someone has already bought the car and then returned it?

And it is generally purchased in advance. If this kind of sales behavior is to buy a loss liquid without your permission, then the insurance company is not very ethical, but the compulsory traffic insurance can not be refunded, this is more troublesome, you can consider changing an insurance company next year, if you do this next year, Zen Han will not give the premium, so tell them, the insurance company will not mess around.

I mean I just mentioned a new car, people say that this car has been on the compulsory insurance for two months, I don't understand why people will pay compulsory insurance in advance! I'm worried that this letter hall car has been bought by others, is it a second-hand car will have this kind of sliding cover?