The car insurance is about to expire, which insurance is better

All vehicles with complete driving licenses and number plates, and qualified by the vehicle management department, can be insured with the Chinese People's Insurance Company. The procedures for vehicle insurance are as follows:

1.When applying for insurance for personal vehicles, the driver's ID card, driver's license, vehicle driving license, letter of introduction and relevant documents related to the insured vehicle should be brought.

2.If the vehicle is engaged in self-employment, it should also bring the business license, transportation permit and other documents to the insurance company for processing. After the experience certificate is completed, fill in the vehicle insurance policy, and drive the insured vehicle to the designated place for necessary inspection, after meeting the insurance conditions, the policyholder will determine the insurance time, and verify the insurance premium.

3.The insurance is valid for up to one year, but it can be less than one year, but not more than one year. After the expiration of the term, the policy can be renewed and re-processed.

The insurance is in duplicate, and the policyholder should keep a copy of his insurance policy and the receipt of payment of insurance premiums, which will be used as the basis for compensation if the insurance occurs within the insurance period.

4.In addition to carrying the necessary documents, it is also necessary to list the model, license number, and driving license number of the insured vehicle. Depending on the situation, the insurance company will inspect the vehicle and then proceed with the insurance procedure.

For large companies, the claim is settled quickly, and the service is fast!

For small companies, the premium is cheap and the claim settlement is slow!

1. Compulsory traffic insurance, this must be bought. This is a compulsory liability insurance for the insurance company to compensate within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured when the insured motor vehicle has a road traffic accident. After the purchase of this insurance, a sign will be affixed to the front windshield of the car, and if it is not purchased, the traffic police have the right to seize the vehicle and documents.

2. Vehicle loss insurance. It is used to compensate for the damage caused by natural disasters or accidents. This type of insurance is the main type of insurance, which mainly deals with problems such as car collisions.

But you don't have to buy it. 3. Third party liability insurance. A supplement to compulsory traffic insurance, but not necessary, can be purchased with reference to your own driving skills.

4. Several other types of insurance, such as car theft insurance and natural loss insurance, are not required to be purchased. It depends on your situation.

Compulsory traffic insurance is a must to buy when car insurance expires, and commercial insurance can be selected according to your own situation, generally mainly to buy three liability insurance and car damage insurance.

The insurance is about to expire and buy the right one month in advance:

1. When renewing the insurance, it is best to check with the insurance company about the insurance situation of your vehicle, so as to avoid intermediaries concealing the owner of the car and defrauding compensation through secondary accidents;

2. There are two situations for the renewal of the vehicle when there is an insurance record, one is the renewal of compulsory traffic insurance, because the compulsory traffic insurance of each insurance company has formed a data sharing platform, so it is not possible to avoid the increase in premiums; Another situation is the renewal of commercial insurance, it is possible to switch to other companies The premium will not rise, but from the principle of good faith, the car owner must fulfill the obligation of truthful notification to the insurance company;

3. According to the method of floating compulsory traffic insurance rates, if there is no insurance in the previous year, the car owner can enjoy a certain degree of premium discount, and the premium may rise if the number of accidents is more. If there are two or more traffic accidents in the previous year, the premium will be increased by 10%.

There are many ways to buy a vehicle after it expires: the first way is to buy it from an insurance company. The second way is to buy it through a mobile app. The third way is to purchase insurance. Either way, motor vehicle insurance is valid.

Is it possible to do without vehicle insurance?

Insurance and commercial insurance for the use of motor vehicles can be omitted, but compulsory compulsory traffic insurance is required. Compulsory traffic insurance is an insurance that motor vehicles must buy on the road. It is illegal for a motor vehicle to go on the road without buying compulsory traffic insurance.

After the purchase is completed, it is necessary to pay attention to the effective time of the compulsory traffic insurance. No valid insurance is the same as no insurance.

Can vehicle insurance be refunded?

Compulsory traffic insurance, which can be refunded under special circumstances. Because the vehicle is scrapped or the manufacturer**, it cannot go through the surrender procedures under other circumstances. Commercial insurance for motor vehicles can be surrendered at any time without affecting the use of the vehicle.

However, in the event of a traffic accident at a later stage, you will be responsible for all of it.

Millions of car purchase subsidies.

If the car insurance expires, go to the insurance company to buy it: 1. If the car insurance expires and forgets to renew, there will be no late fee, and you need to pay it quickly, otherwise the insurance company will not compensate if there is any traffic chain, and if the compulsory traffic insurance is not paid in time when it expires, the car will be detained if it is found by the traffic police, and the shed will be fined twice the insurance premium that should be paid within the minimum liability limit of the insurance;

2. In accordance with Article 95 of the Road Traffic Safety Law of the People's Republic of China, if a motor vehicle driving on the road does not hang a motor vehicle number plate, does not place an inspection mark or insurance mark, or does not carry a driving license or driver's license with the vehicle, the traffic management department of the public security organ shall detain the motor vehicle, notify the party concerned to provide the corresponding license plate or sign or go through the corresponding procedures, and may be punished in accordance with the provisions of Article 90 of this Law;

3. If the party concerned provides the corresponding license plate or sign or goes through the corresponding formalities, the motor vehicle shall be returned in a timely manner. Those who intentionally obscure or deface or fail to install motor vehicle number plates in accordance with provisions shall be punished in accordance with the provisions of Article 90 of this Law.

Millions of car purchase subsidies.

How to buy car insurance when it expires? How to buy car insurance when it expires? When car insurance expires, it is more appropriate to buy it in the following ways:

1. Choose the type of insurance according to your needs. Because it is a new car that has just been bought, the owner will be more concerned at first, coupled with a lack of confidence in his driving skills, etc., the first year of car insurance will often be more complete. After all, the car has been driven for a year, the driving skills are proficient, and the car has a certain understanding of the situation of the car, so some unnecessary or cost-effective insurance, the owner can choose not to buy; 2. For example:

Living in the city, there are safe parking places at home and work, so car owners can not consider theft insurance. Generally, families will buy some accident insurance, the car personnel liability insurance is slightly in conflict with the former, in case of accidents, its compensation is very low, if you do not often run the highway, the car personnel liability insurance can not be on; 3. Enjoy preferential terms. As we all know, the level of the premium has a lot to do with the number of occurrences and the amount of claims in the previous year.

According to the regulations, as long as the car owner does not have any violation records, insurance situations and claims within one year, the car owner will receive a reduction in the premium of commercial insurance and compulsory traffic insurance when renewing the premium in the second year, and will also be listed as a high-quality customer by the insurance company to enjoy car insurance discounts. @2019