Is it considered an insurance trip after the cancellation of vehicle insurance?

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.

It is very clear to tell you that it will not affect the no-odds coefficient for the next year. After the insurance company closes the case, the compensation information will be uploaded to the insurance association's auto insurance platform, and even if you change insurance companies in the next year, you can check the claims record of the previous year. If your insurance does not incur a claim, but only cancels the case, the insurance information will not be uploaded to the platform.

It has an impact on the car to go out of insurance and buy insurance, as follows:

1.Compulsory traffic insurance will be punished: compulsory traffic insurance is a compulsory insurance, every motor vehicle must be configured, and if the owner of the car is still driving on the road during the period of compulsory traffic insurance, then once investigated and dealt with by the traffic management department, it will be severely punished.

Generally, the car will be temporarily detained, and the car owner needs to pay compulsory traffic insurance in accordance with the regulations, and impose a fine of twice the premium payable with the minimum liability limit before he can get his car back. The commercial auto insurance itself is voluntary, so even if the insurance is out of insurance, the traffic management department will not punish the owner of the car because of this;

2.Compulsory traffic insurance cannot be reviewed annually: motor vehicles are generally checked to see if the compulsory traffic insurance is within the protection period during the annual inspection. Therefore, if the compulsory traffic insurance is out of insurance, then the vehicle will not be able to pass the annual examination. In addition, if the new car is not insured with compulsory traffic insurance, then the tremor shirt cannot be licensed;

3.Premiums may rise: If the period of withdrawal of compulsory liability insurance is too long, the premium of compulsory liability insurance may increase when the policy is renewed.

Under normal circumstances, if the compulsory liability insurance is renewed three months after the expiration date, then it will not be able to enjoy the non-insured discount, and the minimum will be charged according to the base premium. However, different insurance companies may have different regulations and different time requirements according to the regulations of each city, such as Ping An Auto Insurance, which stipulates that Shanghai compulsory traffic insurance will not be able to enjoy the discount if it is out of insurance for 72 working days. In addition, commercial auto insurance may not be able to enjoy premium discounts due to the long period of out-of-policy, resulting in a slight increase in premiums, but the specific amount of increase is subject to the regulations of the insurance company;

4.The vehicle needs to be inspected again after the car insurance has been out of insurance for a period of time; If the car insurance has been out of policy for too long, the insurance company will generally re-inspect the vehicle when the car insurance is renewed. If there is a large change in the motor vehicle, such as modification, excessive damage to the motor vehicle, etc., then it may not be possible to insure some car insurance types;

5.The insurance company will not pay for the accident during the period of car insurance deinsurance: whether it is compulsory traffic insurance or commercial auto insurance, once the insurance is out of insurance, the insurance company does not need to bear the responsibility for claims if the insured accident occurs during the insurance period.

The owner of the vehicle is responsible for the economic loss or financial compensation of the motor vehicle. You can inquire through the insurance company underwritten by car insurance, go to the offline counter to inquire, log in to the online channel of the insurance company to inquire, and you can also inquire through the traffic police brigade. Generally, the insurance bought by second-hand cars can be transferred to the name of the owner, and you need to inquire about which insurance you have bought, you can take the official app of the insurance company as an example, such as querying the policy of the second-hand car through the owner of Ping An Hao, the specific operation is as follows:

Open the safe good car owner;

2. Registration and login.

On the "My" login page of Ping An Good Car Owner, log in with registration;

3. Find and check the insurance policy.

Click Enter, enter your name and ID number, and click to enter the Policy Center;

4. Check the car insurance policy.

Through the insurance car in the policy center, you can find the car insurance policy of Ping An Insurance and see which insurance policies have been bought for used cars.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI 13

You can only choose one claim, because Chinese citizens can only have one household registration (that is, an ID number), and insurance accident claims need to provide corresponding materials, and you cannot provide two materials with the same number, taking medical materials as an example, you cannot seek medical treatment in two hospitals at the same time.

Two available ID numbers mean that there are two household registrations, and legally you are equivalent to two people, and one must be cancelled. The property with the cancelled number can be transferred to the uncancelled number through the police station. Cancellation of the number of insurance can also cancel the refund premium.

In addition, if you obtain an improper advantage through two ID numbers, such as marrying two different people, you will be held legally responsible. So, cancel the extra ID number as soon as possible, otherwise you will have more troubles in the future.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Five insurances and one housing fund stopped halfway, and now you want to renew, you don't need to make up for the previous one, the cumulative payment period of pension insurance, and the medical insurance will be repaid for more than a certain period of time. If the provident fund is missed, you can request to make up the payment.

Social security supplementary payment refers to the interruption of social security payment for some reason, and there is no payment in the middle of the month, and now due to recruitment or other reasons, it is necessary to make up for the part that has not been paid before, so as to obtain a complete social security time period to ensure the normal recognition of recruitment and settlement.

Under normal circumstances, the general unit can only make up for 2 months, and if it takes longer, it has to be operated through some ** institutions.

If you are insured in the name of an individual, if you miss the payment, you can not make up the payment, and only the missed payment caused by the unit can make the supplementary payment, and make up the payment of the five insurances. If the unit does not make a declaration (does not open an account), it can only make up the pension. After paying for a period of time, if you want to make up the payment, you can find a ** company to make up the payment.

If the paying unit (excluding individuals and freelancers) fails to pay the employee pension insurance premiums, they should bring the following materials to the social security agencies to handle the supplementary payment of the basic pension insurance premiums:

1. Employee files and pension insurance handbook;

2. Application Form for Supplementary Payment of Basic Pension Insurance Premiums;

3. Labor contract, salary payment schedule, employee's monthly individual income tax certificate, etc.;

4. Other relevant materials.

Statute of limitations for social security supplementary payment:

According to Article 58 of the Social Insurance Law, an employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Article 63 stipulates that if an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up the premiums within a time limit.

Under normal circumstances, the period of supplementary insurance payment depends on the situation of the enterprise according to the social insurance premium collection agency.

When the unit collectively pays the housing provident fund deferred in the previous year, the unpaid provident fund should be paid, and the individual employee fails to pay the provident fund, etc., it needs to be completed through supplementary payment.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"