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Compulsory traffic insurance is the abbreviation of compulsory liability insurance for motor vehicle traffic accidents, which is an insurance that every car owner is required to pay. The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability clearly stipulate that compulsory traffic insurance is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured insurers) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.
So what is the significance of compulsory traffic insurance to the society, and why not pay for car owners? First of all, compulsory traffic insurance can provide timely and basic medical protection for traffic victims. Compulsory liability insurance also has other more social management functions.
Compulsory traffic insurance also helps to reduce the financial burden of the perpetrators of traffic accidents, which is beneficial to every car owner and passenger. If the car owner pays the compulsory insurance, how to use the compulsory insurance policy number to check the policy status more conveniently? There are many ways to use the policy number of compulsory liability insurance to check the status of the policy.
In the past, if you want to check the car insurance policy number, you can get the business outlets of the insurance company, and the people who choose the four-wheeled rapid transportation are people who race against time, and they go to the insurance company in person, which is time-consuming and laborious; As a result, the ** query has risen, a** dialed to the insurance company, all the information can be collected, but many car owners find that the dialing ** is often in the busy state of the busy line, even if it is dialed, the contract information and claim information of the query results are a lot of difficult to remember; Ping An has integrated and improved the advantages and disadvantages of the previous inquiry methods, and launched a new online inquiry system, which allows the policyholder or the insured to register and log in to Ping An One Account with a valid ID number and policy number, and then can query the policy number of Ping An Auto Insurance through the system, including the details of the insurance type, the amount insured, the insurance period, the status of the policy, etc., and all kinds of information are readily available. It's quick and easy.
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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 insurance mark. 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 vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles.
How to check car insurance:
1. Inquire through the network.
Now that the Internet has become ubiquitous, many things are done through the Internet. Nowadays, many people have inquired about car insurance details through the Internet, such as Yunwen Quick Check. Just open WeChat and search:
Enter the license plate number to know which insurances the vehicle has insured in the previous year, what accidents have been had, the number of distresses, premium calculation and statistical analysis, etc.
Online inquiries can save a lot of time and energy for car owners, so that car owners can understand questions about car insurance without leaving home. Enter your own vehicle information, you can quickly see all types of vehicle insurance costs, so that people can understand their strong insurance content in detail.
2. Inquire through **.
Not only can you check the details of all vehicle insurance, but you can also buy insurance, which is a method that many people use nowadays. Since some insurance companies sell vehicle insurance directly, insurance companies sell many insurances. It is quite convenient and fast to insure your car and inquire about vehicle insurance through **.
Nowadays, many insurance companies have this kind of service, and this service method of Ping An Insurance Company is very popular with people now.
3. Check by going to the staff of the insurance company.
This is the most direct and effective way to inquire about the details of vehicle insurance. This method can better communicate with the staff of the insurance company, so that the owner of the vehicle can understand all the conditions of the vehicle more thoroughly.
Notes on Claims:
1. Report the case in a timely manner. After a traffic accident, the owner of the car should protect the scene, report to the insurance company within 48 hours, truthfully state the accident, provide the insurance policy, wait for the insurance company's investigators to investigate the scene, and fill in the "Claim Application".
2. Understand the scope of refusal and exemption.
3. If the loss is too small, it is not appropriate to make a claim. Because when renewing car insurance, the insurance company has a premium preferential clause, that is, the vehicle has not been insured for one year, and you can enjoy a premium discount of about 10% when you renew the insurance in the second year, and if there is no insurance record for several consecutive years, the premium discount can reach up to about 30%.
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Compulsory car insurance can be inquired in the following ways:
1. Call the underwriting insurance company**, and you can inquire according to the voice prompt, or you can transfer to manual inquiry;
2. You can check on the official website of the insurance company, and you can find your own car insurance policy after logging in;
3. You can bring your ID card to the offline outlets of the insurance company for inquiry;
4. If it is purchased through the insurance person, you can directly inquire with the insurance person;
5. If you buy it in a 4S store, you can call the 4S service** or go directly to the 4S store for inquiries.
Automobile compulsory insurance is a kind of insurance that protects the members of the non-vehicle and the policyholder after the traffic accident of the motor vehicle, and is a compulsory insurance to protect the personal and property losses of others after the traffic accident.
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The query procedure is as follows:
2.Click on it to query the information of compulsory traffic insurance.
4.After that, you can see the information.
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As long as we tell them our insurance policy number, they will quickly tell us when the compulsory traffic insurance we purchased will expire, and we can also tell them and let them remind us to renew it in time, so that our compulsory traffic insurance will not expire.
We can also call the insurance company ** for inquiries. We only need to call the service staff of the insurance company and tell them the insurance policy number we purchased at that time, and they can inquire about the expiration of the compulsory vehicle insurance we purchased. This method is very convenient for us to inquire, if it expires, we can also use ** and then buy compulsory insurance, so that we don't have to run to handle the renewal of compulsory insurance.
Nowadays, the most common way used by people is to inquire about the expiration of compulsory vehicle insurance through the Internet. As long as we board the insurance company's **, enter the policy number of the insurance policy we purchased can be inquired about the insurance, such as Ping An Insurance Company has this way of inquiry, and we can also buy compulsory insurance online, if our compulsory insurance expires or is about to expire, we can buy it online, and in the effective time of the compulsory insurance we purchased, we can fill it in according to our own needs, which is very convenient for us.
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There are many ways to inquire about compulsory traffic insurance: the first is to bring your ID card directly to the front desk of the insurance company for inquiry.
The second is to inquire about the relevant information of the compulsory traffic insurance by calling the customer service of the insurance company that purchased the compulsory traffic insurance, operating according to the voice prompts, and performing identity verification.
Third, you can also check online, enter the official website of the insurance company you insure, find the "policy inquiry button", enter the ID number and license plate number for verification, and you can query the relevant information if the verification is successful.
Fourth, there are now some areas that have set up a special information query platform, which can quickly query their own vehicle insurance situation and insurance information, and of course, you can also see the relevant information of compulsory traffic insurance.
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You can also check on the official website, APP or WeChat of the insurance company. The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability". Different from commercial insurance, it is a type of insurance that is mandatory for the state.
The main protection is the personal ** and property losses of others.
1. Precautions for compulsory traffic insurance:
1. When applying for insurance, the policyholder shall truthfully fill in the insurance policy, truthfully inform the insurance company of important matters, and provide a copy of the driving license and driver's license of the insured motor vehicle;
2. When signing the compulsory traffic insurance contract, the policyholder shall pay all the insurance premiums at one time. There shall be no request to the insurance company to impose conditions on top of the terms and rates of the insurance;
3. An insurance mark shall be placed on the insured motor vehicle;
4. During the validity period of the insurance contract, if the risk of the insured motor vehicle increases due to modification, addition, change in the nature of use, etc., the insured shall notify the insurance company in time and go through the approval procedures.
2. Scope of exemption and non-compensation of compulsory traffic insurance.
1. Personal injury and property loss caused by the victim's intentional behavior, such as suicide, self-harm, porcelain bumping, etc.;
2. Arbitration or litigation fees and other related expenses caused by traffic accidents;
3. Indirect losses, such as the loss of value of the vehicle due to a collision.
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The method of inquiring about the compulsory traffic insurance of the car is as follows:
1. Bring your own ID card.
Enter the name of the insurance company you are applying for plus the car insurance; Open the car insurance page of the corresponding insurance company, look for the policy inquiry, and finally enter the license plate number and the ID number of the policyholder to check.
Coverage of compulsory traffic insurance.
This includes road traffic accidents involving the insured motor vehicle.
Causing personal and property losses to victims other than the vehicle personnel and the insured. Within this scope, compensation is made within the limit of liability, which is divided into death and disability compensation limit, medical expense compensation limit, property damage compensation limit, and compensation limit for the insured who is not liable in a road traffic accident.
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If you need to know the insurance company you are insured, you can check it on the official website, taking PICC as an example, the method is as follows:
1. First of all, enter PICC car insurance in the browser and find the official **.
2. After entering, click on the personal center on the right and select My Policy.
3. You need to enter your mobile phone number to get a verification code.
4. Enter the verification code and click Login Now.
5. You can see the compulsory traffic insurance policy insured.
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To make an inquiry, you can proceed according to the voice operation prompts;
2.You can bring your valid ID card to the offline outlets of the insurance company for inquiry;
3.You can inquire on **, such as logging in to the official website of the underwriting insurance company, entering the password, and entering the entrance of the car insurance inquiry to inquire, or you can also inquire in the insurance company***, and you can find the car insurance inquiry entrance in the "personal service" or "my" in the menu bar.
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To see which insurance company's policy is, enter the official website of the insurance company to check, and enter the necessary information according to the prompts.
It is important to keep a policy of compulsory vehicle insurance.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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If you need to know the insurance company you are insured, you can check it on the official website, taking PICC as an example, the method is as follows:
1. First of all, enter PICC car insurance in the browser and find the official **.
2. After entering, click on the personal center on the right and select My Policy.
3. You need to enter your mobile phone number to get a verification code.
4. Enter the verification code and click Login Now.
5. You can see the compulsory traffic insurance policy insured.
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You can check it on the Internet, and you can query it through the frame number of the vehicle;
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If there is no sign, the traffic police can detain the car until you provide the sign and impose a fine on the amount of compulsory traffic insurance.
Once or twice travel, as long as you have a complete sign, the traffic police are difficult to check, but it is recommended to buy it, anyway, to buy, all the way to be afraid not to say, in case of an accident, the loss is not the small amount of money of compulsory traffic insurance.
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No, you cannot
According to the Regulations on Compulsory Traffic Insurance, the owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory traffic insuranceThe owner or manager of the motor vehicle fails to take out compulsory traffic insurance in accordance with the regulationsTraffic management department of the public security organThe right to impound a motor vehicle, notify the owner and manager of the motor vehicle to take out insurance in accordance with the regulations, andA fine of twice the premium payable shall be imposed. >>>More