Can car insurance be refunded, can car insurance be refunded How to get a refund

OK. However, if you do not buy a new policy, 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 may terminate the insurance contract after receiving the written application of the insured and the original insurance policy, except for the circumstances stipulated by law or the insurance contract that the policyholder shall not terminate the insurance contract. According to the law, commercial car insurance is indeed refundable, and the owner has the right to refund, and when the car is transferred to the second-hand car dealership, any second-hand car dealer can also refund the insurance. Compulsory traffic insurance is non-refundable, commercial insurance can be refunded, and the policyholder can only refund with his ID card, original policy, and bank card to the address indicated on the policy.

The insured amount of compulsory traffic insurance is: 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. 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.

Can I surrender the car insurance I just bought?

Whether car insurance can be surrendered or not, the specific situation is analyzed

1. Compulsory traffic insurance is an insurance that the state requires to be purchased, if the insurance is to be surrendered, the conditions are there, the insured motor vehicle has been cancelled according to law, the insured motor vehicle has been suspended, and the insured motor vehicle has been confirmed to be lost by the public security organ;

2. Commercial insurance is a car insurance voluntarily purchased by the owner, as long as it is unexpired, and those who have not been insured by the insurance company are within the scope of surrender.

Legal basisArticle 15 of the Insurance Law of the People's Republic of China.

Except as otherwise provided in this Law or otherwise agreed in the insurance contract, after the insurance contract is concluded, the policyholder may terminate the contract, and the insurer may not terminate the contract. Article 54 stipulates that if the policyholder requests to terminate the contract before the commencement of the insurance liability, it shall pay a handling fee to the insurer in accordance with the contract, and the insurer shall refund the insurance premium. If the policyholder requests to terminate the contract after the commencement of the insurance liability, the insurer shall refund the insurance premium collected to the policyholder after deducting the part receivable from the date of commencement of the insurance liability to the date of termination of the contract in accordance with the contract.

What information should I bring when surrendering my car insurance?

1. The surrender claim, indicating the reason for the surrender and the time, the owner needs to be stamped if the car owner is a unit, and the signature is required if it is a private person;

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

3. Insurance premium invoices generally need to be original, and sometimes copies can also be made;

4. The identity of the insured is confirmed, and the business license is required if the owner is a unit, and the ID card is required if it is a private person;

5. Documents confirming the reason for surrender.