Can you still get a refund if you have a car insurance, and can you still surrender a car insurance

First of all, car insurance is divided into compulsory traffic insurance and commercial car insurance, among them, the surrender conditions of compulsory traffic insurance are generally for the insured car to be cancelled according to law, suspended, and lost by the public security organs, as long as one of the above three conditions is met, even if it is out of car insurance, then it can also be refunded; Commercial auto insurance cannot be refunded if it has already been insured.

OK. But after you surrender the policy, the insurance company will return the DMV, and if you don't buy a new insurance, you will receive a notification that the DMV is not insured, telling you that you must have an insured car before you can hit the road. Can I get a refund after I buy car insurance?

In most cases, it is possible to return a portion of the money in accordance with the regulations. Many car owners do not consider the question of "can the second-hand car insurance be refunded" when transferring or ** their own cars, and few people know that if they sell the car after half a year of use, the car insurance can also be refunded hundreds or even thousands of yuan. Even if you don't get a refund, when you negotiate with a second-hand car dealer or buyer, you can use the unused car insurance as a bargaining chip to increase the price of your car.

For compulsory traffic insurance, the relevant laws and regulations are very clear: compulsory traffic insurance has the principle of "accompanying the car", and the insurance contract shall not be terminated except in special circumstances agreed in the terms, that is, after the sale of second-hand cars, the compulsory traffic insurance will automatically transfer to the name of the new owner. The fate of commercial auto insurance is relatively complex.

According to the regulations, the insurance company shall receive a written application and insurance policy from the insured, except for the circumstances stipulated by law or the insurance contract that the policyholder shall not terminate the insurance contract.

The insurance contract can be terminated after the original copy. According to the law, commercial car insurance is indeed refundable, and the owner has the right to return it, and the car is transferred.

When giving it to a second-hand car dealer, any second-hand car dealer can also go to refund the insurance. Compulsory traffic insurance.

It is non-refundable, commercial insurance can be refunded, and the policyholder holds his or her ID card.

The original policy, the bank card can only be refunded to the address indicated on the policy. The amount insured by compulsory liability insurance.

Yes: 110,000 for death and disability, 10,000 for medical expenses, 2,000 for property damage, such as up to 2,000 for other people's cars, so it is necessary to buy a third-party insurance. How many days does it take for a car insurance policy to be issued?

As the main evidence of the car owner's claim, the importance of the car insurance policy is self-evident. The car owner's desire to get the policy in a short period of time is of course understandable. But don't let impatience overshadow carefulness.

Generally speaking, the content of the policy should include the owner's insurance information, policy terms, policy effective date and insurance amount.

Wait. So how many days can car insurance be completed at the earliest? The issuance time is affected by a variety of factors, such as the industry system, the insurance company's billing model, etc.

At present, the auto insurance market implements a system of "paying for the bill". The insurance company will print the policy only if the car owner pays the insurance premium in full. Therefore, if the car owner wants to get the policy as soon as possible, the first thing to do is to confirm whether he has paid the premium in full.

The industry system must be followed, and insurance companies have responded and continuously improved the billing mode according to their own characteristics. The scientific and reasonable billing mode can save a lot of valuable time for car owners, and at the same time, it can also strengthen the security of the policy. For the question of how many days to issue a car insurance policy at the earliest, Ping An online car insurance can be regarded as a rough answer.

Pay attention to car insurance policies that can be completed in a few days at the earliest, and pay more attention to the details of each insurance company while paying attention to the time of issuing the policy, so as to get twice the result with half the effort when applying for car insurance.

Yes, you can also surrender the commercial insurance of the car. Motor vehicle insurance is divided into two parts: compulsory liability insurance and commercial insurance. The commercial insurance part can be refunded at any time and billed on a daily basis, but the commercial insurance that has a claim is strictly forbidden to be surrendered (the refusal of compensation is also counted, and the cancellation of the case after reporting the case is not counted).

Since 2009, with the rapid development of China's automobile industry, China's automobile production and sales have ranked first in the world for three consecutive years, and by the end of 2011, China's car ownership has exceeded 100 million, becoming the world's second largest car owner after the United States.

Data show that as of the end of 2011, the number of motor vehicles in the country was 100 million, of which 78.72 million private cars, an increase, and 49.62 million civilian cars, an increase, including 43.22 million private cars, an increase.

Due to the rapid increase in the number of cars, the corresponding car insurance market is also showing a rapid development trend. In 2001, China's auto insurance premiums amounted to 100 million yuan, and the auto insurance industry turned a profit for the first time. By 2011, the premium income of domestic auto insurance reached 350.4 billion yuan, a year-on-year increase.

Since the 50s of the 20th century, with the rapid expansion of the automobile manufacturing industry in Europe, the United States, Japan and other regions and countries, motor vehicle insurance has also been widely developed, and has become the most important business insurance in property insurance in various countries. By the end of the 70s of the 20th century, car insurance accounted for more than 50% of the entire property insurance.

From China's point of view, with the increase in car ownership year by year, auto insurance has become a major component of China's non-life insurance market, and it is the largest type of property insurance.

At present, among domestic insurance companies, the premium income of auto insurance business has accounted for more than 50% of the total premium income of their property insurance business, and the premium income of auto insurance business of some companies accounts for more than 60% of the total premium income of their property insurance business. The profit and loss of the auto insurance business directly affects the economic benefits of the property insurance industry.

According to the statistics of the Insurance Association of China, there are 135 insurance companies and 36 insurance intermediaries, most of which have carried out auto insurance business.

The market will become more and more competitive. Statistics show that in 2011, the market share of PICC, Ping An and CPIC in auto insurance premium income was and respectively, and the total proportion of the three was a decrease of one percentage point compared with the market share of the three major auto insurance companies in 2001.

Summary. First of all, car insurance is divided into compulsory traffic insurance and commercial car insurance, among them, the surrender conditions of compulsory traffic insurance are generally cancelled by the insured car according to law, suspended, and lost by the public security organs, as long as one of the above three conditions is met, even if it is out of car insurance, then it can also be refunded; There are two conditions that must be met for the surrender of commercial auto insurance: one is that it must be within the validity period of the policy, and the other is that the insured vehicle has not been reported or claimed to the insurance company during the validity period of the policy, so if the commercial auto insurance has been insured, then it cannot be refunded.

First of all, car insurance is divided into compulsory traffic insurance and commercial car insurance, among them, the surrender conditions of compulsory traffic insurance are generally cancelled by the insured car according to law, suspended, and lost by the public security organs, as long as one of the above three conditions is met, even if it is out of car insurance, then it can also be refunded; There are two conditions that must be met for the surrender of commercial auto insurance: one is that it must be within the validity period of the policy, and the other is that the insured vehicle has not been reported or claimed to the insurance company during the validity period of the policy, so if the commercial auto insurance has been insured, then it cannot be refunded.

In addition to compulsory traffic insurance, other commercial insurance can be purchased selectively.

Yes, it is your right to surrender the policy.

However, not all cases can be surrendered, and two conditions need to be met: first, your car insurance policy is valid. Second, your vehicle has not been reported to the company for any action such as making a claim. If you meet these two conditions, you can apply for a surrender.

Surrender is also very simple, just submit the surrender application form to the insurance company where the car insurance was purchased, fill in the reason for surrender and the specific time of surrender, and sign after confirming the surrender. The insurance company will review your surrender application, and after the review is approved, you will be given an approval form and your insurance policy will be withdrawn.

Finally, you only need to take the surrender approval form and your valid ID to the finance department of the insurance company, and you can get back the returned insurance premium with the information.

The answer is yes. But the following conditions must be met:

1) The car is scrapped according to the regulations;

2) resale of the car to others;

3) Duplicate insurance, two identical policies for the same car;

4) Dissatisfied with the insurance company and want to change insurance companies;

5) Insurance that has not expired or is not in effect;

6) Those who have not expired and have not reported the case in the current year.

As long as it belongs to the above situations, you can return the car insurance, but it will cause some economic losses when you return the car insurance.

Further information: Motor vehicle insurance, also known as automobile insurance (referred to as car insurance), refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles. 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 subject of insurance.

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 vehicle insurance refers to a type of property insurance. Also known as car insurance. It is a kind of transportation insurance that takes the motor vehicle itself and the third-party liability of the motor vehicle as the subject of insurance.

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, full vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

The main materials for surrender are:

1. Application for surrender.

2. The original insurance policy, if the insurance policy is lost, it needs to be reissued in advance.

3. Insurance premium invoice.

4. Proof of identity of the insured.

First of all, the vehicle's insurance policy must be within its validity period.

Secondly, during the validity period of the insurance policy, if the vehicle has not been reported to the insurance company or has made a claim, the vehicle that has received compensation from the insurance company cannot be surrendered; Vehicles that have only been reported to the insurance company and have not been compensated cannot be surrendered.

The specific process is roughly like this, when the car owner surrenders the insurance, he must first submit the surrender application to the insurance company, explain the reason for the surrender and when the surrender began, sign it or stamp the official seal, and hand it over to the business management department of the insurance company. After the insurance company reviews the surrender application, it will issue a surrender approval form, which will indicate the surrender time and the amount of premium to be refunded, and collect the car insurance policy. Then the surrenderer can go to the insurance company to collect the refundable insurance premium with the surrender approval form and ID card.

The surrender premium is the premium for the unpaid liability period from the date of the policyholder's surrender application, i.e., surrender premium = premium * (remaining days of policy validity Total number of days of policy validity).

Car insurance can be refunded and repurchased, as long as it meets the insurance requirements, it can be purchased normally.

Surrender is divided into a cooling-off period.

Surrender within and after cooling-off period. If the policy is surrendered during the cooling-off period, all premiums paid will be refunded without any loss, and if the policy is surrendered after the cooling-off period, only the cash value of the policy will be refunded.

Generally, it is not recommended to surrender the policy after the cooling-off period, as the loss will be relatively large.

1. How to surrender new car insurance?

In fact, surrender is not as difficult as everyone thinks, you first need to submit a surrender application to the insurance company, and then submit the surrender application.

Submit it to the insurance company. However, it should be noted that you need to explain why you want to surrender the policy and the time of surrender in the surrender application, otherwise you will not be able to handle it. After submitting the relevant materials, the insurance company will review it, and after passing the review, the insurance company will withdraw the insurance policy of the car owner.

And the approval form issued to the car owner to surrender the insurance, at this time, the time and amount of surrender will also be indicated. After that, the owner only needs to take the surrender certificate and have an ID card.

If you go to the financial department of the insurance company, you can get back the refunded car insurance premium. If you don't have time to collect the premium, you can also directly transfer the surrender fee to your bank card, avoiding having to run errands for yourself.

2. What should I pay attention to when surrendering new car insurance?

When you handle the surrender business, you must prepare the relevant materials, otherwise it will be very cumbersome to handle, and the time for the surrender amount to arrive will be delayed, which needs to be paid special attention to. Finally, I would like to remind you that in order to avoid the subsequent surrender of the car insurance when you buy it, it is recommended that you buy it after careful consideration, otherwise you need to spend energy to surrender the insurance.

The key is to prepare the relevant materials by the car owner, and at the same time check whether the car insurance he purchased meets the surrender conditions, otherwise the surrender business can not be handled.

1. When the transaction occurs in the sale of the vehicle, when the original owner no longer has the ownership of the vehicle, he can apply for surrender of the insurance company, but he must provide the relevant vehicle transaction transfer certificate to the insurance company;

2. After the pure vehicle is scrapped, some vehicles have reached the mandatory scrapping period before reaching the warranty period, or they need to be scrapped due to collision, which can be applied for surrender;

3. The owner has repeatedly insured without knowing it, and the insurance can also be surrendered in this case.

4. Vehicle recall.