What should I do if my compulsory insurance expires, and what should I do if my compulsory insurance

There is no need to make up for the expiration of compulsory traffic insurance, you can purchase it directly, and it will take effect the next day after purchase. If the compulsory traffic insurance expires, the traffic police will detain the car and double the premium fine. Legal basis: Article 39 of the Regulations on Compulsory Traffic Insurance provides that 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.

The compulsory traffic insurance shall be renewed in a timely manner after expiration.

According to Article 39 of the Regulations on Compulsory Traffic Insurance Insurance, 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 payable in accordance with the minimum liability limit for insurance in accordance with the regulations.

If the insurance has not been out of insurance for more than three months and has not been insured in the previous year, the preferential coefficient can still be used. At present, any Chinese-funded property insurance company in China can handle the insurance of compulsory traffic insurance, you can provide the ID card of the policyholder of the previous year, a copy of the vehicle driving license and the original policy of the previous year to the insurance company.

The role of compulsory traffic insurance is not to deal with the traffic police, but to make the accident losses compensated.

Of course, if the compulsory traffic insurance expires and drives on the road, you may face a penalty of 2 times the premium of the traffic management department.

Retroactively, there is a date of purchase on the certificate of insurance.

Let's make up for it first, the traffic police don't mention it, just mention it.

Then hurry up and pay it, it's good that something happens and it's troublesome, and there is no compulsory insurance that can't be on the road, and the traffic police are found to be detaining the car and fines on the road, so hurry up and pay it first.

What should I do if the compulsory insurance expires?

The driver of a motor vehicle whose compulsory traffic insurance has expired shall renew the insurance in a timely manner.

The owner and manager of the motor vehicle fail to take out compulsory liability insurance for motor vehicle accidents in accordance with the regulations.

by the public security organs.

The traffic management department shall detain the motor vehicle, notify the owner and 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.

If you drive on a good branch after the compulsory traffic is out of insurance, there will be the following consequences:

1. For motor vehicles that have not paid compulsory traffic insurance on the road, the traffic police will deduct 1 point, fine 200 yuan and detain the motor vehicle, and the owner needs to pay a fine of twice the insurance premium to redeem the vehicle;

2. Vehicles that fail to provide compulsory traffic insurance certificates will not pass the inspection when conducting safety technical inspections;

3. In the event of a traffic accident, all the losses and compensation of the owner of the motor vehicle on the road without friendship and compulsory insurance shall be borne by himself.

Legal analysis: The compulsory traffic insurance can be renewed after expiration, and the insurance policy of the previous year can be provided. Compulsory traffic insurance is a compulsory liability insurance that compensates the insured motor vehicle for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents of the insured motor vehicle within the liability limit.

Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 19 When the compulsory insurance contract for motor vehicle traffic accident liability expires, the insured shall renew the insurance in a timely manner and provide the insurance policy of the previous year.

Article 20 stipulates that the insurance period of compulsory motor vehicle traffic accident liability insurance is one year, but in any of the following circumstances, the insured may take out short-term compulsory motor vehicle traffic accident liability insurance:

1) Temporary entry of foreign motor vehicles;

2) Motor vehicles are temporarily on the road;

3) The motor vehicle is less than 1 year from the prescribed scrapping period;

4) Other circumstances stipulated by the insurance regulatory authority.

After the expiration of the compulsory traffic insurance, it needs to be renewed in time, and the general compulsory traffic insurance is allowed to expire for 90 days, if the compulsory traffic insurance is paid within 90 days, the original insurance company still supports the renewal. However, if it exceeds 90 days, it means that the compulsory liability insurance policy has expired, and it is no longer possible to renew the original insurance, and the compulsory liability insurance needs to be repaid.

When the compulsory traffic insurance expires, you can't drive on the road, even if it expires for a day, don't drive the car out. If you blindly drive the car, it means that you are violating the law. Therefore, it is recommended that you pay the compulsory traffic insurance in advance, and do not wait until it expires to pay.

Although it is possible to renew the policy within 90 days, it is not possible to drive out during this 90-day period.

The full name of compulsory traffic insurance is compulsory liability insurance for motor vehicle traffic accidents, which is mainly a compulsory liability insurance for the insured vehicle, in the event of a road traffic accident causing property damage or personnel of the victim, and giving compensation within the liability limit, which is an insurance that must be purchased by national law.

The compulsory traffic insurance shall be renewed in a timely manner after expiration. 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.

1. What should I do if the compulsory insurance sign falls off?

1. If the owner loses the compulsory traffic insurance mark, he can go to the car insurance department of the insurance company to replace the compulsory traffic insurance sign with the insurance card or the original insurance policy and related personal information of the vehicle;

2. In accordance with the relevant requirements of the China Insurance Regulatory Commission, the insurance company will complete the review of the application within 5 working days after receiving the application for replacement and the certification certificate for reporting loss;

3. The signs of compulsory traffic insurance and car insurance must be pasted on the front windshield of the car, so that the traffic police can check at any time, if the signs are not pasted according to the regulations, they will be fined 100 yuan according to the relevant regulations.

2. What are the types of compulsory traffic insurance?

Compulsory insurance can be divided into three types according to the different sectors of legislation:

1. Compulsory insurance implemented nationwide.

According to the legal procedures, the law passed by the national legislature, and the compulsory insurance regulations promulgated and implemented by the state, this compulsory insurance is generally provided by the insurance agency authorized by the state, and the insurance is enforced by administrative means. This kind of compulsory insurance stipulates a specific scope for the insurer, the insured and the subject of insurance, regardless of whether the insured or the insurer agrees, there is no room for choice, and the rights and obligations of both parties are bound by law, such as: China's "Regulations on Compulsory Insurance for Personal Accident Injuries of Airplane, Train, and Ship Passengers", as well as unemployment insurance, pension insurance and other social insurance.

Features of this type of insurance:

1) Mandatory;

2) Late payment penalties for insurance premiums not paid in accordance with the regulations;

3) Uniformity of guarantee standards.

2. Compulsory insurance implemented within the local scope.

According to the relevant laws of the state, the insurance provided for by the local government through the promulgation and implementation of local regulations, for example, there have been 24 provinces and municipalities in China to adopt compulsory insurance practices for motor vehicle third-party liability insurance.

3. Compulsory insurance implemented in specific industries.

According to the relevant laws and regulations issued by some administrative agencies, it is stipulated that all those engaged in certain business activities must be insured with corresponding insurance, otherwise they are not allowed to engage in production and business activities, for example, China's commercial banks to enterprises or individuals for mortgage loans, real estate as collateral for loans, the collateral must be insured.

There is no problem with the expiration of compulsory traffic insurance. After the expiration of the compulsory traffic insurance, the vehicle cannot be driven on the road without a new valid period of insurance. Vertical plums.

Compulsory traffic insurance is a type of compulsory insurance by the state, in order to protect the victims of the accident, after the owner is found not to be insured by compulsory traffic insurance, he will be fined twice the premium, make up for the compulsory traffic insurance, and impound the vehicle.

The scope of compensation for death and disability in the compulsory traffic insurance includes funeral expenses, death compensation, transportation, accommodation and lost work expenses incurred by the victim's relatives for funeral matters, disability compensation, disability assistive device expenses, nursing expenses, transportation expenses, living expenses of dependents, accommodation expenses, and lost work expenses; The scope of compensation for medical expenses includes medical expenses, diagnosis and treatment expenses, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery expenses, and nutrition expenses.

The only thing that can be done after the expiration of the compulsory traffic insurance is to renew the car insurance in time, otherwise it will still be on the road after expiration, and the vehicle will have the following risks:

1. Deduct points and fines According to the regulations, if the owner or manager of the motor vehicle is not insured with compulsory traffic insurance, the traffic police will detain the vehicle until it is insured in accordance with the regulations, and the driver's license will be deducted 1 point, and a fine of twice the insurance premium that should be paid according to the minimum liability limit for insurance shall be imposed.

2. Accident lossesMany people may not care about the expiration of compulsory traffic insurance, thinking that the expiration will be very short, and there should be no accidents. But we do not have a "God's perspective", once a traffic accident occurs during the expiration of the compulsory traffic insurance, the owner must not only be fully responsible, but also all losses must be borne by themselves, and cause serious traffic safety accidents, but also be investigated for the corresponding civil and criminal liability.

3. The problem of vehicle and vessel tax is also mentioned in the front of the vehicle and vessel tax, if the vehicle and vessel tax is paid together with the compulsory traffic insurance, then after the compulsory traffic insurance expires, the vehicle and vessel tax will also expire, and the vehicle and vessel tax will also produce a late fee, and from the date of the overdue tax, a late fee of five ten-thousandths of the overdue tax will be charged on a daily basis. Compulsory traffic insurance has a corresponding period, and the owner or manager needs to renew the insurance before it expires. It should be noted that the expiration of the compulsory vehicle insurance will not only face a fine, but also a more serious risk is that during the expiration period, once a traffic accident occurs, the owner must bear all the losses.

In addition, the expiration of compulsory traffic insurance often means that the vehicle and vessel tax has also expired, because many people ask the insurance company to pay the vehicle and vessel tax by the way when paying the compulsory traffic insurance.

Article 39 of the Regulations on Compulsory Traffic Insurance Insurance: 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 payable in accordance with the minimum liability limit for insurance in accordance with the regulations.

The compulsory traffic insurance shall be renewed in a timely manner after expiration. Matching excitation.

According to Article 39 of the Regulations on Compulsory Traffic Insurance Peihe Socks Insurance, if the owner of a motor vehicle or a person in charge of the inspection 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.

In the event of a traffic accident, the vehicle will be impounded and the mandatory insurance will be doubled.

Penalties for overdue compulsory traffic insurance: 1. If it is found that the motor vehicle has not been insured with compulsory traffic insurance in accordance with the regulations, the public security traffic management department shall detain the motor vehicle and notify it to be insured, and punish it with 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. If the compulsory traffic insurance is re-applied in accordance with the regulations, the motor vehicle shall be returned in a timely manner;

2. If the motor vehicle driving on the road is not placed with an insurance mark, the public security traffic management department shall detain the motor vehicle, notify the party concerned to provide the insurance mark or go through the corresponding procedures, and may give a warning or a fine of not less than 20 yuan but not more than 200 yuan. If the party concerned provides the insurance mark or goes through the corresponding formalities, the motor vehicle shall be returned in a timely manner;

3. The penalty for late delivery of compulsory traffic insurance, when the compulsory traffic insurance expires, the owner will not be penalized for recovering the insurance for a period of time. However, if the traffic management department finds that the compulsory traffic insurance has expired during the period of non-renewal of the insurance, the motor vehicle will be detained on the spot, and the penalty will be 2 times the insurance premium payable in accordance with the minimum liability limit of the insurance, and the vehicle will be returned by the company after completing the procedures. If a traffic accident occurs during this period, the insurance company will not be liable for compensation;

4. Regulatory measures: The China Insurance Regulatory Commission shall supervise and manage the compulsory traffic insurance business of each insurance company in accordance with the law. The traffic police and the motor vehicle management unit shall supervise and inspect the handling of compulsory traffic insurance for motor vehicles in accordance with the law. For motor vehicles that have not been insured with compulsory traffic insurance, the management department shall not register them, and the motor vehicle safety and technical inspection agency shall not inspect them.

Millions of car purchase subsidies.

Summary. If the compulsory traffic insurance expires, it should be renewed as soon as possible"If the compulsory traffic insurance expires, it should be renewed as soon as possible. According to the regulations, the motor vehicle on the road must be insured with compulsory traffic insurance, and if the owner or manager of the motor vehicle fails to purchase the compulsory third-party liability insurance for the motor vehicle in accordance with the provisions of the state, the traffic management department of the public security organ shall detain the vehicle until it is insured 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.

If the compulsory traffic insurance expires, it should be renewed as soon as possible"If the compulsory traffic insurance for automobiles expires, it should be renewed as soon as possible. According to the regulations, the motor vehicle on the road must be insured with compulsory traffic insurance, and if the owner or manager of the motor vehicle fails to take out compulsory third-party liability insurance for motor vehicles in accordance with the provisions of the state, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum insurance limit or liability limit in accordance with the regulations. ”

Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce [1], this split limb type is a safe and reliable guarantee; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system. Insurance [2] refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the Travelguess insurer in accordance with the contract, and the insurer bears the liability to compensate for the property damage caused by the occurrence of an accident that may occur as agreed in the contract, or the insured bears the responsibility to pay the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement to share the losses of accidents; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.