Can I continue to buy insurance if the car insurance case is not closed?

It can be renewed, and the insurance will not affect the premium payment.

Since the accident in the previous insurance year has not been closed, the number of accidents will not be counted, and the insurance cost will continue to be discounted according to the discount that does not count the traffic accident. In detail, if there is only one traffic accident in the previous year's insurance period, and the case is not closed before the premium is renewed, it will be deemed that the accident has not occurred in the previous year when the premium is renewed. In the current insurance year, if the traffic accident is closed, the number of accidents will be counted in the current year.

Premiums for the next year will be affected. The number of accidents is based on whether the insurance company has lost money as the number of times, and when to lose money as a time consideration. .

Relevant provisions of the Regulations for the Implementation of the Road Traffic Safety Law: Article 16: Motor vehicles shall be inspected for safety and technical inspection within the following time limits from the date of registration:

1) The passenger vehicle shall be inspected once a year within 5 years of operation; For more than 5 years, the inspection will be conducted once every 6 months.

2) Trucks and large and medium-sized non-operating passenger vehicles shall be inspected once a year within 10 years; If it is more than 10 years old, it will be inspected once every 6 months.

3) Small and micro non-operating passenger vehicles shall be inspected once every 2 years within 6 years; If it is more than 6 years, it will be inspected once a year; If it is more than 15 years old, it will be inspected once every 6 months.

4) The motorcycle shall be inspected once every 2 years within 4 years; For more than 4 years, it will be inspected once a year.

5) Tractors and other motor vehicles are inspected once a year. If the operating motor vehicle passes the safety technical inspection within the specified inspection period, the safety technical inspection shall not be repeated.

6) Vehicles that have exceeded the end of their life can no longer be transferred (sold), but can continue to be used; If you want to buy and sell, you can first go to the vehicle management office to handle the scrap order of the car (cancel the file of the car), and then buy and sell.

Extended information: China's laws and regulations on automobiles, from a general point of view, mainly include the following laws: 1. Regulations on the Application and Use of Motor Vehicle Driver's Licenses. 2. "Road Traffic Safety Law of the People's Republic of China" 3. "Regulations on the Administration of Motor Vehicle Maintenance" 4. "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" 5. "Regulations on Traffic Accident Handling Procedures".

1) If the two parties do not reach an agreement and do not close the case, will it affect my annual vehicle inspection next year?

The other party wants to ask you for compensation, even if the agreement fails, that is, if the traffic police mediation fails, go to the court to adjudicate, because the other party must want the result. The sentence is mandatory. So, there is no such thing as a situation where there is no result all the time.

I think you mean that there is no agreement at the time of the annual inspection, whether it will affect the annual inspection.

The exact answer is no. You think, for example, the car has a week to the annual inspection deadline, and suddenly there is a big accident, maybe the car will not be repaired by the time of the annual inspection, not to mention that the accident can reach an agreement between the two parties. And some cases of hurting people may take a year or two.

2) Ability to withdraw the case.

In the case of insurance companies, this is called "cancellation of the case", which is the cancellation of the case within the business operating system. Because, according to the insurance contract, the insurance company has the liability to compensate for the insured accidents that fall within the scope of liability, and this kind of liability formed according to the contract is different from the liability formed by personal relationships. You can revoke it, just like you can withdraw it in a civil private prosecution case.

If the case is not withdrawn, will I have to pay more insurance premiums next year?

In terms of compulsory traffic insurance, if there is an accident in the previous year, there will be no discount in the next year. Throughout the life of the policy, the more times you go out, the more premiums you will have. Probably if there is no insurance in the previous year, the next year will be 10% off.

The original text of compulsory traffic insurance is as follows:

Article 8 If the insured motor vehicle has not committed road traffic safety violations or road traffic accidents, the insurance company shall reduce its insurance premium rate in the following year. In the following years, if the insured motor vehicle still does not have road traffic safety violations or road traffic accidents, the insurance company shall continue to reduce its insurance premium up to the minimum standard. If the insured motor vehicle is involved in a road traffic safety violation or road traffic accident, the insurance company shall increase its insurance premium rate in the following year.

In the event of multiple road traffic safety violations, road traffic accidents, or major road traffic accidents, insurance companies shall increase the range of their insurance premiums. If the insured is not at fault in a road traffic accident, the insurance rate shall not be increased. The standard for reducing or increasing the insurance rate shall be formulated by the China Insurance Regulatory Commission in conjunction with the public security department.

In addition, most insurance companies will not give discounts on commercial insurance because they did not take out insurance in the previous year. However, some insurance companies will increase the rate for customers who have a large number of insurance trips in the following year.

3) It does not affect the annual inspection or the transfer. Violations are not dealt with, which affects the annual inspection. Mortgages, pledges, seizures, etc. affect the transfer of ownership.

If the vehicle accident is not closed, it generally does not affect the renewal of the insurance, and the insurance can be renewed normally.

2. If you need to consult Ping An Insurance-related business, you can call 95511-1 for Ping An Life Insurance, 95511-5 for Ping An Auto Insurance, Property Insurance and Accident Insurance, and 95511-6 for Ping An Pension Group Insurance.

Legal analysis: car insurance can be sold before the case is closed. However, it is not possible to register the transfer.

According to the relevant laws and regulations, if the ownership of the registered motor vehicle is transferred, the current owner of the motor vehicle shall apply to the vehicle administration office at the place of registration for transfer registration within 30 days from the date of delivery of the remaining motor vehicle in Changzhou. Before the owner of a motor vehicle applies for transfer of registration, the road traffic safety violations and traffic accidents involving the vehicle shall be dealt with.

Legal basis: Article 18 of the "Provisions on Motor Vehicle Registration" If the ownership of a registered motor vehicle is transferred, the owner of the motor vehicle shall apply to the vehicle administration at the place of registration for transfer registration within 30 days from the date of delivery of the motor vehicle.

Before the owner of a motor vehicle applies for transfer of registration, the road traffic safety violations and traffic accidents involving the vehicle shall be dealt with.

Renewable policy is available. The car insurance can be renewed if the case is not closed, but when the insurance is renewed, the premium will not be adjusted for this year, but it will affect the premium for the next year, and the amount of compensation will be deemed to be closed after the contract is signed and confirmed by both parties or related parties.

Whether it is compulsory traffic insurance or commercial insurance, when the customer does not renew the policy, the insurance company will automatically calculate the number of times the customer's policy in the previous year is based on the data of the auto insurance industry data platform. The date of the policy and the closing time of the car insurance claim are both important factors that affect the calculation of the number of insurance trips.

According to the regulations of the industry association, the calculation rules for the number of accidents are: based on the closing time of the traffic accident of the insured vehicle, as long as the settlement time is between the date of signing the "last policy" and the date of signing of this policy (inclusive), the number of claims with an amount greater than 0 is calculated as the number of accidents of the previous year's policy.