Hello! Excuse me! How to check whether the compulsory car insurance has expired? I also forgot which

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 frame number to know which insurances the vehicle has insured in the previous year, what accidents have occurred, 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.

Workaround steps:

1. Feel free to find a large insurance company (PICC, Ping An, Pacific, etc.) to call the ** car insurance, saying that you want to handle the compulsory traffic insurance business;

2. The center seat will let you provide relevant information, driving license, ID card;

3. Then wait for the agent's query ** result;

**Result in two scenarios:

1. The compulsory traffic insurance has expired, and the agent will tell you how much it costs to purchase the compulsory traffic insurance;

2. The compulsory insurance has not expired, and the agent will tell you that your compulsory insurance has not expired and cannot be insured; (At this time, you can ask him which insurance company he is insured, when it expires, etc.).

If you want to check whether the compulsory car insurance is due, you can check the start and end time of your electronic car insurance policy, so that you can check it.

Here's how to check whether the compulsory vehicle insurance has expired:

There are several precautions for compulsory traffic insurance: when applying for insurance, the policyholder should 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; When signing a 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; An insurance symbol shall be placed on the insured motor vehicle; During the validity period of the insurance contract, if the degree of danger 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 a timely manner and go through the approval procedures.

Here's how to do it:

1. Inquiry.

Asking for car insurance is the most common way to inquire about car insurance expiration. You can not only check whether the car insurance is about to expire, but also inquire and apply for insurance and other information. **The query is not limited by location, environment and other conditions, which is more convenient, but the car owner needs to be able to remember his policy number.

2. Network inquiry.

You can ** car insurance insurance company mobile app or on the official website of the PC side, car owners only need to log in to the official website, enter the basic information of the individual and his vehicle, you can get the required car insurance expiration information. Online inquiry can save time and energy for car owners.

3. Mobile client inquiry.

Car owners can realize fast car insurance expiration inquiry through the mobile phone client.

Fourth, the counter inquiry.

You can bring your driving license and driver's license to the DMV or administrative hall or the insurance company's counter for face-to-face inquiries. The counter inquiry method is more troublesome, and the car owner needs to go to the insurance company's business outlets for inquiry. This is a time-consuming and laborious approach.

5. Check the strong risk logo.

You can check the strong insurance logo on the front windshield, and on this sign you can see the expiration date of the insurance.

You can query in the following ways:

1. Directly check your own compulsory traffic insurance policy;

2. Check the sign of compulsory traffic insurance on your car, one of the 12 numbers from 1 to 12 has been punched, and the number that has been punched is the month in which the compulsory traffic insurance expires;

3. Call the customer service of the insurance company for inquiries;

4. Log in to the official ** inquiry of the insurance company;

5. Go to the vehicle management office for inquiry;

6. Inquire through insurance industry associations;

7. Inquire through the insurance regulatory authority.

There are three ways to check if the compulsory liability insurance has expired:

1. Check the insurance company: check the insurance company with your ID card. Tell the staff the license plate number and personal information to know whether the car insurance is due;

Extended information: The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

From September 19, 2020, the Guiding Opinions on the Comprehensive Reform of Motor Insurance will be officially implemented, and the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan.

Calculation of basic insurance premiums.

1. Calculation of one-year basic insurance premium.

If the one-year compulsory motor vehicle traffic accident liability insurance is purchased, the basic insurance premium shall be determined according to the corresponding amount in the Basic Rate Table of Motor Vehicle Traffic Accident Liability Compulsory Insurance.

2. Calculation of short-term basic insurance premiums.

If the insurance period is less than one year, the insurance premium shall be calculated according to the short-term rate coefficient, and the insurance premium shall be calculated as one month if the insurance period is less than one year. Specifically, the basic insurance premium is determined according to the corresponding amount in the "Basic Rate Table of Compulsory Insurance for Motor Vehicle Traffic Accident Liability", and then the corresponding short-term monthly rate coefficient is selected according to the insurance period, and the short-term basic insurance premium is multiplied by the two.

The floating factors and floating ratios of the basic rate of compulsory insurance for motor vehicle traffic accident liability shall be implemented in accordance with the Interim Measures for the Floating Rate of Compulsory Insurance for Motor Vehicle Traffic Accident Liability (Bao Jian Fa [2007] No. 52).

The calculation method of the insurance premium: the final premium of the compulsory liability insurance = the basic insurance premium of the compulsory liability insurance (1 + the floating rate linked to the road traffic accident).

Calculation of premium for termination of insurance contract: When the insurance contract is terminated in accordance with the Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability, the insurer shall calculate and refund the insurance premium to the policyholder according to the following standards.

1. If the policyholder has paid the insurance premium, but the insurance liability has not yet begun, the insurance premium shall be refunded in full;

2. If the policyholder has paid the insurance premium, but the insurance liability has begun, the part of the insurance premium that has not expired shall be refunded

Refund of insurance premium = insurance premium (1 - number of days of liability already covered number of days during the insurance period).

You can check the expiration time of compulsory traffic insurance in four ways: check the policy, **inquiry, **inquiry and counter inquiry.

Looking at the policy, the car owner can confirm the expiration time of the compulsory traffic insurance according to the policy at the time of insurance; **Inquiry, the owner logs in to the official website of the insurance company or the traffic management bureau**, and enters the license plate number and ID number and other information according to the prompts, and you can query. **For inquiries, call the insurance company service**, or the customer service of the traffic management office**12123, enter the relevant information according to the voice prompts or select manual customer service inquiry. For counter inquiry, the owner of the car should bring his ID card to the counter of the local insurance company's business outlets for inquiry.

The liability limit in the compulsory traffic insurance contract refers to the maximum amount of compensation borne by the insurer for the personal and property losses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle. Among them, the compensation limit of no liability is divided into the compensation limit for death and disability without liability, the compensation limit for medical expenses without liability and the compensation limit for property damage without liability.

You can check it on the Internet, and you can check it by the frame number of the vehicle.