Can I buy car insurance but the car is not local?

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.

Compulsory traffic insurance, the full name of compulsory motor vehicle traffic accident liability insurance, is the first compulsory insurance system implemented by national laws and regulations in China.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulate that compulsory traffic insurance is a compulsory liability insurance for the insured motor vehicle to compensate the victim within the liability limit for the personal and property losses caused by the insured motor vehicle road traffic accident, excluding the vehicle personnel and the insured.

Types of motor 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, vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding deductible special insurance, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured. On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

You can buy insurance, regardless of whether the car is in **. But if I don't often go to the province for business trips, I feel that I can buy a car wherever I want! Because the amount of insurance in the province is much cheaper than in the country.

You can buy it, as long as the car is left there and you can buy it there. It can be used all over the country.

Purchase insurance in the local area where the vehicle belongs. The insurance policy is valid nationwide!!

It's best not to buy it, so as not to have more trouble in the future, it's better not to buy it for the time being, or buy it from other places.

It doesn't matter if you buy car insurance in another place. First of all, car insurance can be purchased off-site. At present, many insurance companies have opened up the policy of purchasing car insurance in different places, because the policies of each insurance company are different and the regions are different, resulting in the purchase of car insurance in other places will also be different in one way or another.

When buying car insurance in other places, the following differences should be considered, namely differences in premiums, differences in underwriting rules, differences in services, and differences in claims.

Applying for insurance in other places will not affect the claim in either place, but it is important to note that the insurance claim process is different from that of local car insurance claims. There are a few things to pay attention to when settling claims in other places:

1. Report the case. When purchasing non-local car insurance, you must first confirm with the insurance company whether the accident is reported in the place where the accident occurred or in the area where the car insurance was purchased, so as to avoid losses caused by different cases and different ways of accepting cases.

2. Damage assessment. There are also different regulations on the assessment of losses for claims in off-site car insurance. At present, there are two ways to choose from loss assessment: the nearest place of accident and the return to the place where the policy is located. Generally, you can choose to assess the loss at the nearest place of insurance or go back to the place where the policy is located.

3. Repair. When the vehicle breaks down, you must first report the damage and then choose to repair it, otherwise you may not be able to get the car insurance claim.

4. Indemnity. There are two ways to receive the claim for auto insurance: applying for it locally and returning to the place where the policy is located. Now most of them are in the maintenance, the insurance company directly settles with the maintenance unit, saving the owner all kinds of troubles. The owner only needs to sign the car after it is repaired.

Extended Materials. Car Insurance Category:

1. Compulsory traffic insurance.

Compulsory traffic insurance is mandatory under the laws of our country, so everyone who has a car must buy it. If your car is driving on the road without purchasing compulsory traffic insurance, you will be deducted points and fined if it is found by the traffic police, and if the circumstances are serious, you may be detained because it is illegal.

2. Three liability insurance.

Third-party liability insurance (referred to as three-liability insurance), this kind of insurance mainly protects the car from hitting someone else's car while driving, and the compensation money is completely paid by the insurance company. At present, there are two types of insurance for three liability insurance: 500,000 and 1 million, and car owners who are not at ease can buy the insurance amount higher.

3. Car damage insurance.

The so-called car damage insurance refers to a kind of automobile commercial insurance in which the insured is damaged by an accident while driving the vehicle, and the insurance company compensates within a reasonable range.

Nowadays, there are more and more cars on the road, and it is inevitable that some traffic accidents will occur, such as scrapes and collisions. If you have car damage insurance, the insurance company will pay you a certain amount of compensation according to the damage to the car, so that the car owner will have to bear much less expenses.

The advantage of car insurance in other places is that car owners can enjoy many discounts when handling it, which is also the main reason for attracting many car owners. So, how do you insure your car in a foreign country?

For those car owners who buy cars in other places, they are often advised by dealers to buy car insurance at the same time as buying a car, and will also give some discounts, the process is not complicated, as long as the owner shows the relevant documents of personal information, the general dealer can help handle it. Even, car owners can also find their own insurance companies, through the ** appointment service, can also be quickly and simply. However, it should be noted that the issue of vehicle tax payment, generally speaking, when the car owner buys car insurance, this fee is collected by the insurance company, and when purchasing compulsory traffic insurance, it will be required to pay together.

However, if you get car insurance in a different place, the car owner has to pay attention to the principle of this tax. Because, even if the car owner buys car insurance in other places, it is not possible to pay this tax locally, this is also because the local insurance company does not have the authority to collect it. Therefore, it is still necessary for the owner to return to his or her household registration for processing.

Therefore, car owners must think carefully when buying insurance, otherwise it will bring unnecessary trouble to themselves.

In addition, car owners must conduct a comprehensive inspection of their car condition before buying insurance, and then choose the right car insurance product. If it is a new car, then the insurance purchased is naturally more complete, such as the body scratch loss insurance in Ping An car insurance, which can make the vehicle be compensated in the case of scratching, which is also to spend less money on the maintenance of your car. However, if you have used the car for several years, it is best to buy some necessary insurance, such as the necessary compulsory traffic insurance and third-party liability insurance, which will not make your insurance expenses too much and bring financial pressure.

Even if an accident occurs, you can get a more comprehensive compensation and will not have to worry about a huge amount of compensation.

When it comes to buying insurance, especially buying car insurance, many people will choose to buy car insurance in other places, and some people choose to buy car insurance locally, but there is actually a difference in this situation, whether it is to buy car insurance in other places or locally, the difference is mainly in the following three points, you can make a reference.

First, the car insurance is not the same as Li Tuan.

There must be a substantial difference between foreign and local car insurance, first of all, in essence, some foreign car insurance may be paid together with commercial insurance and compulsory traffic insurance, and there are only these two kinds of insurance, and the rest need to be paid by the owner himself, which is more complicated and troublesome, but if it is a local car insurance is better, it can provide one-stop service, and the car does not need to go to other places, you can handle commercial insurance compulsory insurance and vehicle and vessel tax in the company at one time. This will simplify a lot of ways to achieve a more satisfactory service. <>

2. Claims service is different.

Of course, the service of claims must be different, after all, the remote service is definitely not as good as the local service, because the remote one is too far, and secondly, many problems in the remote area can not be solved immediately, it takes time to go back and forth, which will greatly consume time and cost, so the remote claim service is slightly worse, of course, the cost of reducing the round-trip will definitely be reduced, but there are some that can not reduce the cost of the round-trip, only to be able to travel tired, but the local insurance is different, The claim service of local insurance is relatively fast, and the investigation and assessment of losses is better, and there are convenient claims to provide trailer services, which is definitely better.

3. Different ways to apply for insurance.

And the way of handling is not the same, there is obviously a big difference between remote insurance and local insurance, maybe the way of handling remote insurance is more online, it must be more convenient, but the nature of Anguo Zheng can not be considered, of course, local insurance may be more troublesome, but many companies have launched a one-stop service, as long as you go to a place can be completely handled, this is still more convenient, so in general, both still have certain advantages in handling services.

There must be a difference, if you buy it in the field, it may be very difficult to reimburse, and the car insurance is generally bought locally, and it is very troublesome to reimburse the insurance after buying it in the field.

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

The rate of compulsory traffic insurance is floating: If there is no traffic accident in the previous year, a copy of the policy of the previous year --- 10% discount

If you need more in-depth answers, you can click on the link below to receive an exclusive service.

There was no traffic accident in the first two years, and a copy of the previous year's policy was provided (the previous year's sail shortage was confirmed to be 10% discounted) - 20% discountIf there has been no traffic accident in the first three years, a copy of the previous year's policy will be provided (the discount has been confirmed by 20% in the previous year) - 30% discount

Hello, compulsory traffic insurance is mandatory, you can compare other commercial insurance, and it is not mandatory for you to insure, you can decide for yourself.

If you need a car insurance ** comparison, you can click on the link card above to reserve your information, we have a one-to-one ** specialist to serve you.

There is still a difference, if you buy car insurance in other places, and then return to the local area after renting, it will reduce the discount of many trillions, so that there is no way to enjoy some services, and it is not very cost-effective to change the stop.

The difference is that the hidden shed is relatively large, and there will be very big trouble when encountering a problem claim, but the local one will quickly solve this problem.

According to the existing insurance situation of Hewu, there is no difference between the policyholder buying car insurance in a different place and buying car insurance locally. The process of buying car insurance in a different place is basically the same as buying car insurance locally.

It is worth noting that when applying for insurance, the insured must bring the driver's ID card, driver's license, vehicle driving license, letter of introduction and relevant documents related to the insured vehicle before it can be processed.

However, the difference is that after applying for long-distance car insurance, the insurance claim process may be different from that of local car insurance, and the process of claiming a claim for long-distance car insurance will be more complicated.

1. How to buy car insurance.

1. Choose a legal and regular insurance company in the country where you want to buy car insurance;

2. Go to the insurance company to go through the procedures and apply for insurance business;

3. After the insurance company approves the application, the two parties can sign a contract. The national law stipulates that compulsory traffic insurance must be purchased, and if the insured accident occurs during the insurance period, the insurance company will compensate within the specified limit. Defamation.

2. Precautions for purchasing car insurance.

1. Don't re-insure.

Car owners should avoid repeated insurance when purchasing car insurance, and some car owners may think that they have a greater chance of being insured in a certain aspect, so they will repeatedly insure this type of insurance, thinking that they can get repeated compensation. In fact, this idea is wrong, even if the car owner repeatedly insures a type of insurance, when it comes to the issue of compensation, he will not get excess compensation.

2. Don't over-insure or under-insure.

Pursuant to Article 39 of the Insurance Law:"The insured amount shall not exceed the insured value, and if the insured value is exceeded, the excess part shall be invalid. If the insured amount is lower than the insured value, the insurer shall be liable for compensation in accordance with the proportion of the insured amount to the insured value, unless otherwise agreed in the contract.

Therefore, neither over-insured nor under-insured can obtain additional benefits.

3. Insurance should be preserved.

In order to save premiums, some car owners want to insure a few types of insurance, or only car damage insurance, not third-party liability insurance, or only the main insurance, not additional insurance, etc. In fact, each type of insurance has its own insurance liability, if the vehicle really has an accident, the insurance company can only bear the insurance liability according to the original insurance contract to pay compensation, and some other losses of the owner may not be compensated.

4. Timely renewal.

Some car owners can not renew the insurance contract in time after the expiration of the insurance contract, but there are unforeseen circumstances, in case the vehicle has an accident in these days, it is not too late to regret.