If I have to pay an extra three years of compulsory insurance, what should I do?

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

How used car insurance policies are handled.

The first way is to change the subject of the policy. This method is very simple, after the vehicle is transferred at the vehicle management office, the new owner of the second-hand car with the transfer ticket, a copy of the driving license, the original insurance policy, his ID card and the ID card of the original insurer, to the original insurance company to fill out a transfer application form, you can complete the transfer of ownership.

The second way is to apply for surrender. To apply for surrender, you only need to pay the premium from the beginning of the application to the surrender period, and the other premiums will be refunded accordingly. After that, the new owner of the used car can go to any insurance company to reapply for car insurance.

In addition to the insurance policy, the information required for the original owner to surrender the policy is also the ID card. When a new car owner re-insures, he only needs to provide a new driving license or a certificate of transfer of ownership of the vehicle, and he can choose a new insurance company at will.

The process of transferring the ownership of used car insurance.

The transfer of second-hand car insurance is actually to change the beneficiary and license plate number of the original insurance endorsement of the vehicle after the second-hand car transaction. Therefore, there is no charge for the transfer of second-hand car insurance, and the materials required are relatively simple. A car insurance transfer application form will need to be completed and will need to be present with both the new and existing owners.

When transferring ownership, you need to bring the original insurance policy, driving license, and vehicle transfer invoice and other documents. The insurance company will issue you an approval note to complete the insurance transfer after immediate review.

Precautions for the transfer of used car insurance.

It needs to be after the second-hand car transaction is transferred, and after the registration certificate owner information is changed, and the new vehicle number plate and driving book are obtained. Second-hand car transactions are not all local transactions, but on the premise of off-site transactions. Second-hand car insurance does not necessarily have to be transferred, you can choose to return the insurance directly, but you need to keep the compulsory insurance.

The compulsory traffic insurance of second-hand car insurance does not follow the person.

According to the Regulations on Compulsory Traffic Insurance, there are only three circumstances in which compulsory traffic insurance can be surrendered: the insured motor vehicle has been deregistered in accordance with the law; The insured motor vehicle is suspended; The insured motor vehicle has been confirmed to be lost by the public security organs. The sale of used cars obviously does not fall into the above three situations, so in principle, the insurance cannot be surrendered.

The easiest way is to only change the compulsory traffic insurance of the vehicle, and the compulsory traffic insurance can be applied nationwide.

It is best to surrender the used car commercial insurance early.

It is best to change the commercial car insurance of the used car transfer in time. If the ownership is transferred in the city, the content of the owner's insurance policy is changed, which requires the new owner and the original owner to go to the original insurance company with the original policy, ID card, driving book and transfer certificate. If it is not changed in time, then the new and old car owners need to be present at the same time to make a claim.

But the fact is that when an accident needs to be claimed, many original car owners cannot be present at all. Therefore, it is best for car owners to surrender the insurance policy early before selling the car.

After completing the transfer of ownership of the vehicle, then you and the original owner take the procedures of compulsory insurance in the name of the previous original owner, and your vehicle procedures, go to the insurance company that handles the compulsory insurance, and go through the procedures for changing the compulsory insurance. Hope to adopt!

1. A copy of the ID card of both car owners.

2. Second-hand car transaction invoice or second-hand car sales contract.

3. A copy of the driving license and registration certificate.

No matter whose name the insurance is, you can use the annual review as long as you have a policy and the insurance transfer does not require money, go directly to the insurance company and get your driving license, registration certificate, ID card, you can transfer the ownership I did it last month.

The question is very simple, I will briefly answer you, your insurance will go to the transfer immediately, otherwise the insurance company will not lose money, but your policy is gone, you can go to check the company that buys insurance for this car ** (which company will hit which company's after-sales or report ** can also be), go to the insurance company to handle the insurance transfer procedures (free), you only need to bring the information of the vehicle transfer, all the certificates of the vehicle (green book), the new driving license, your own ID card, After you finish it, you can make a copy of the compulsory traffic insurance in the insurance company, and you can review it normally last year, don't buy it again, and don't wait until the insurance expires to buy it, because then your annual review will expire and there will be a late fee penalty.

When you buy a second-hand car, because you do not entrust the second-hand car exchange to handle the insurance transfer, you can usually go through the vehicle transfer procedures only after the insurance transfer. Now you go to the second-hand car market exchange to ask for a copy of the original owner's ID card, check which insurance company the original insurance is insured, bring a copy of the original owner's ID card, the new owner's ID card and vehicle driving license, second-hand car transaction invoice, vehicle registration certificate (green) to the insurance company to apply for correction, and the insurance company agrees to give you an endorsement after the correction. If the original policy is missing, you can reprint a copy or make a copy of the business seal retained by the insurance company, and then you can go to the traffic police vehicle management office for annual review.

If your policy has not expired, you cannot buy it repeatedly, because it can be found on the insurance company's compulsory insurance inquiry platform (networking).

Warm and cozy, with the best flavors.

I turned it around to the insurance company! Otherwise, the beneficiary is still the original owner, and there may be some accident, and the insurance company does not recognize it.

If you buy a second-hand car, it is best to handle the transfer of compulsory traffic insurance in time.

After the vehicle management department completes the vehicle transfer procedures, it is best to go to the insurance company to handle the transfer in time.

General information required for transfer: vehicle registration book, new driving license, copy of ID card of new and old car owners, second-hand car transaction invoice, and insurance approval application (this is the document provided by the insurance company).

Correction fee: The insurance company does not charge a correction fee. If there is a change in the premium, there will be a refund of the excess and the deficiency compensation.

Changes in insurance premiums mainly exist between unit owners and individual car owners, or changes in the nature of vehicle use.

The impact of not being in the house:

Although it is said that compulsory traffic insurance does not follow the person, with the transfer of vehicle ownership, the insurance rights are also transferred accordingly. This means that the insurance is still valid.

If the insurance transfer is not carried out, the compensation will be affected in the event of a case. However, if the insured of the policy is changed to the new owner, then the default insured in the insurance company's system is the original owner, and the insured is the beneficiary by default. Therefore, in this case, it will affect the payment of claims.

That is, to whom the money is remitted.

However, there is also an inconvenience for the household, when the case is reported, the owner of the car is changed, and the license plate number is also new. Therefore, only the new car owner can quickly complete the report by remembering the policy number or car owner information, which is not realistic.

All in all, if an accident occurs, the transfer must be completed before the payment is made at the latest. Wouldn't it be easier to correct it earlier?

Of course, the accident is just accidental, and when the annual inspection expires, the original compulsory traffic insurance policy has not expired? In this case, the DMV will require the vehicle owner to have an endorsement form in order to complete the visa. Because the policy information does not match the driving license information.

Advice after closing:

As a second-hand car owner, it is best to purchase a commercial insurance within your ability, at least a third-party liability insurance, to reduce the risk of using the car. A compulsory traffic insurance is too thin.

If the insurance period is generally one year, in fact, you can also choose to buy a short-term in the first year, and the expiration date of commercial insurance is the same as that of compulsory insurance, so as to avoid forgetting and getting out of insurance.

According to Article 18 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the ownership of the insured motor vehicle is transferred, the procedures for changing the compulsory insurance contract for motor vehicle traffic accident liability shall be completed.

Therefore, you must go through the transfer procedures, and in case of accidental traffic accidents, you also need to provide the relevant identification materials of the insured to handle the rights and interests of the insured, and you also need to use the compulsory traffic insurance policy that is consistent with the vehicle registration certificate for vehicle inspection. Therefore, it is recommended to change the relevant procedures as soon as possible.

Legal basis: "Interim Measures for the Floating Rate of Compulsory Insurance for Motor Vehicle Traffic Accident Liability" Article 11 The method of floating the rate of compulsory traffic insurance under several special circumstances:

1) The rate of motor vehicles insured for the first time with compulsory traffic insurance does not fluctuate.

2) During the insurance period, if the ownership of the insured motor vehicle is transferred, the procedures for changing the compulsory traffic insurance contract shall be completed, and the compulsory traffic insurance rate shall not float.

3) If a motor vehicle is temporarily on the road or a foreign motor vehicle temporarily enters the country to purchase short-term compulsory traffic insurance, the compulsory traffic insurance rate does not float. In the case of other short-term compulsory liability insurance, the short-term benchmark premium of compulsory liability insurance shall be floated according to the above standards.

4) If the insured motor vehicle is recovered after being confirmed lost by the public security organ, according to the certificate provided by the insured by the public security organ, if a road traffic accident occurs during the period of loss, the compulsory traffic insurance rate shall not fluctuate upward.

5) If the motor vehicle is not renewed in time after the expiration of the previous compulsory traffic insurance policy, the calculation range of the floating factor is still between the date of issuance of the previous policy and the date of issuance of the current policy.

6) Before the national auto insurance information platform is networked or the national information exchange, when the motor vehicle changes the place of insurance across provinces, if the policyholder can provide relevant supporting documents, the compulsory traffic insurance rate can be reduced downward. If it cannot be provided, the compulsory traffic insurance rate will not float.

1. It is okay to have compulsory traffic insurance for second-hand cars.

2. In the process of second-hand car transactions, the compulsory traffic insurance has the principle of "accompanying the car", and the compulsory traffic insurance contract shall not be terminated except for special circumstances agreed in the terms. That is to say, after the second-hand car is bought and sold, the compulsory traffic insurance will automatically be transferred to the name of the new owner, and the transfer of the compulsory traffic insurance can not be handled.

1. It is okay to have compulsory traffic insurance for second-hand cars.

2. After the second-hand car is bought and sold, the compulsory traffic insurance will automatically be transferred to the name of the new owner, and the transfer of the compulsory traffic insurance can be carried out without handling.

Can you buy compulsory traffic insurance 125567888) one.

Compulsory insurance can be bought, but you may have to pay the unpaid car examination fee. It's best to find the original owner and get through the house!

Sell the motorcycle to the scrap collector and buy a new one.

Compulsory traffic insurance should be available for purchase.

Some insurance companies will sell you insurance for a car that you don't own, so look for it.

Your situation Annual inspection, insurance only to find scalpers Dozens of dollars more Generally, there are scalpers in front of the traffic management office, and there are also in the motorcycle market.

If there is an accident, insurance is useless to you, just to deal with the traffic police If there is a real accident, the original owner will also be implicated.

If I am the original owner, I must ask for the transfer of ownership, and the new owner will ask for the transfer of insurance if the insurance period is still long.

The same experience, the motorcycle in September 2016, the insurance bought in my name in 17 years, the 18 years were not inspected, and in 2019, I found a scalper in Zhejiang to get the annual review and insurance, and the insurance could not be bought this year.

If there is a registration certificate, if the car has been examined, the transfer fee is 40 yuan + industrial and commercial transaction fee (depending on the local situation, generally dozens of yuan) two items do not exceed 100. If the car is not examined, then it will be the car fee + insurance premium + vehicle and vessel tax.

According to the relevant regulations, in the process of buying and selling motor vehicles, when the ownership of the motor vehicle is transferred, it must go to the local used motor vehicle trading market to go through the transaction procedures; If the transfer of ownership is not carried out by the vehicle management authority, the transaction between the two parties does not have legal effect, and the property rights of the vehicle are not transferred. In this way, the second-hand car transaction that has not gone through the transfer procedures has hidden dangers for both parties to the transaction

Let's talk about the car seller first. Since the act of selling a car has no legal effect, after a traffic accident occurs in the future, according to Article 31 of the Measures for the Handling of Road Traffic Accidents, "if the driver of the motor vehicle is temporarily unable to compensate, the driver's unit or the owner of the motor vehicle shall be responsible for the advance". The car seller may act as the wrongdoer, innocently bear the liability for compensation, and pay a certain unexpected price.

Let's talk about the car buyer. Although you own a second-hand vehicle, the property rights have not been transferred to your name, and it is easy to have disputes in the future. If the car seller regrets it?

It is possible to repossess the car; When the relevant departments recover the property of the car seller, the car is still within the scope of recovery, so that the purchased vehicle cannot be truly owned and used by the new owner.

Back to the question, you can still buy compulsory insurance, but in the name of the other party.

You can go directly to the business hall of the nearest company where you purchased the insurance to handle the insurance transfer, and the following materials are required for the insurance transfer:

1. Original owner's insurance policy and invoice.

2. Original purchase invoice (green book);

3. A copy of the original owner's ID card (preferably in color);

4. ID card and driving license.

Within the working day time frame, you can bring the above materials and apply for it on-site.

After completing the procedures for the transfer of ownership of the motor vehicle, the vehicle registrant and the previous owner need to apply to the insurance company where the vehicle is insured to change the compulsory insurance contract of motor vehicle traffic accident liability together with their respective ID cards, vehicle insurance contracts, as well as vehicle driving licenses, certificates, vehicle registration certificates and other formalities.

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability:

Article 14 An insurance company shall not terminate the compulsory insurance contract for liability for motor vehicle traffic accidents; However, the policyholder fails to fulfill the obligation to truthfully inform important matters.

If the policyholder fails to perform the obligation of truthfully informing of important matters, the insurance company shall notify the policyholder in writing before terminating the contract, and the policyholder shall perform the obligation of truthful notification within 5 days from the date of receipt of the notice; If the policyholder fulfills the obligation of truthful notification within the above-mentioned time limit, the insurance company shall not terminate the contract.

Article 18 Where the ownership of the insured motor vehicle is transferred, the formalities for changing the compulsory insurance contract for motor vehicle traffic accident liability shall be completed.