What to do if the compulsory insurance for a car expires, and what to do if the compulsory insurance

After the renewal period of the compulsory automobile insurance, bring your ID card, vehicle driving license (if it is a company's vehicle, then you also need the organization ** certificate), and the compulsory traffic insurance policy of the previous year to the insurance company to renew the insurance.

If you don't renew your policy in time, it's very harmful:

1. If a traffic accident occurs, the owner needs to pay the claim amount of the compulsory car insurance;

2. If the compulsory traffic insurance expires, the annual inspection and review of the vehicle will not be accepted;

3. If it is found by the law enforcement traffic police, it will be subject to certain penalties (the punishment standards vary in different places). Relevant penalty provisions:

Article 98 of the Road Traffic Safety Law of the People's Republic of China stipulates that if the owner or manager of a motor vehicle fails to purchase compulsory third-party liability insurance for motor vehicles in accordance with national regulations, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit for insurance.

Article 40 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that: If a motor vehicle driving on the road is not placed with an insurance sign, the traffic management department of the public security organ shall detain the motor vehicle, notify the party concerned to provide the insurance mark or go through the corresponding procedures, and may be given a warning or a fine of not less than 20 yuan but not more than 200 yuan. If the party concerned provides the insurance mark or goes through the corresponding formalities, the motor vehicle shall be returned in a timely manner.

Hurry up and reissue it. You can also enjoy a discount if you reapply within three months after the deadline. If you are caught by the traffic police, you will be fined 2,000 or even detain the car.

Hello, if it is overdue, that is, there is no insurance sign, basically the car will be deducted 12 points for sure. If my answer is helpful to you, please set it to.

Hello, it is recommended that you hurry up and apply for compulsory insurance, I hope you.

1. After a traffic accident, if the compulsory car insurance expires and is not renewed, the car owner needs to pay the claim amount of the compulsory car insurance by himself.

2. According to the provisions of the Road Traffic Safety Law: if the owner or manager of a motor vehicle fails to purchase compulsory third-party liability insurance for motor vehicles in accordance with national regulations, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and impose a fine of twice the insurance premium payable in accordance with the minimum liability limit for insurance in accordance with the regulations.

3. There is no strong insurance, and the annual inspection will not be passed

If the compulsory motor vehicle traffic insurance has expired, the motor vehicle driver shall immediately apply for compulsory motor vehicle traffic accident liability insurance.

According to the relevant regulations, the traffic management department has the right to detain the motor vehicle with expired compulsory traffic insurance, and the detention can only be lifted after the motor vehicle driver provides a legal and valid compulsory traffic insurance policy. When the compulsory insurance contract for motor vehicle traffic accident liability expires, the policyholder shall renew the insurance in a timely manner and provide the insurance policy for the previous year.

Where the owner of a motor vehicle or a person in charge of a dispute fails to take out compulsory insurance for motor vehicle traffic accident liability in accordance with regulations, the public security organ shall do so.

The traffic management department shall detain the motor vehicle, notify the owner and manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium payable in accordance with the minimum liability limit for late collision in accordance with the regulations. Where the owner or manager of a motor vehicle obtains compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations, the motor vehicle shall be returned in a timely manner.

Renewable policy is available.

At present, most insurance companies are out of insurance for more than three months, and they are considered new insurance.

Even if there is no insurance in the previous year, the discount after three months of insurance is calculated according to the new insurance, that is, about 85% off.

The application materials are:

1. A copy of the driving license of the insured vehicle and the organization of the insured.

2. A copy of the identity certificate of the insured.

3. The original identity certificate of the insurance agent.

4. Vehicle certificate.

5. Invoices for new car purchases.

6. A certificate or contract issued by the owner that can prove the relationship between the insured and the insured vehicle.

7. A copy of the "Motor Vehicle Driver's License" of the agreed driver.

8. Car purchase invoice or fixed asset entry voucher.

9. Insurance policy.

10. Car insurance clean policy for the previous year.

11. Certificate of unit and personal power of attorney.

There is no penalty, you can go to any insurance company to insure a new compulsory traffic insurance, and you will not be able to pass the account if you don't insure.

What should I do if the compulsory car insurance expires and I have a traffic accident.

Is there any responsibility for me and do I have a penalty.

Answer: After the expiration of the compulsory traffic insurance, if a traffic accident occurs, the compulsory traffic insurance does not bear the responsibility for the accident, if there is commercial insurance, the commercial insurance will compensate within the limit, and if the limit is exceeded or no commercial insurance is purchased, the responsible person will be compensated.

Civil Code of the People's Republic of China

Article 1213 [Order of Compensation for Entities Bearing Responsibility for Traffic Accidents]Where damage caused by a traffic accident occurs to a motor vehicle and is the responsibility of one of the parties to the motor vehicle, the insurer underwriting the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

The policy should be renewed in a timely manner. According to the relevant regulations, the vehicle is not insured with compulsory insurance in accordance with the regulations, the traffic management department of the public security organ may detain the motor vehicle, notify the owner and manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of 2 times the minimum premium. Now that the insurance has not been out of insurance for more than three months, and there is no insurance in the previous year, you can still use the discount coefficient.

As long as you bring your ID card, vehicle driving license and the previous year's insurance policy, you can go to the insurance company to handle it.

If the compulsory traffic insurance expires, the policyholder shall renew the insurance in a timely manner and provide the insurance policy of the previous year. If the party pays late, the penalty shall be that the traffic management department of the public security organ shall detain the vehicle until the insurance is taken out in accordance with the regulations, and a fine of twice the insurance premium payable in accordance with the minimum liability limit shall be imposed.

Legal basis: Article 19 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Expires the compulsory insurance contract for motor vehicle traffic accident liability, and the policyholder shall renew the insurance policy in a timely manner and provide the insurance policy of the previous year.

Article 20. The insurance period of compulsory motor vehicle traffic accident liability insurance is 1 year, but in any of the following circumstances, the policyholder can apply for short-term compulsory motor vehicle traffic accident liability insurance:

1) Temporary entry of foreign motor vehicles;

2) Motor vehicles are temporarily on the road;

3) The motor vehicle is less than 1 year from the prescribed scrapping period;

4) Other circumstances stipulated by the insurance regulatory authority.

If the compulsory automobile insurance expires and is not paid in time, and there will be penalties if it is inspected, according to the provisions of the Regulations on Compulsory Traffic Insurance, the owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall take out compulsory traffic insurance. If the owner or manager of the motor vehicle fails to take out compulsory traffic insurance in accordance with the regulations, the traffic management department of the public security organ shall have the right to detain the motor vehicle after checking the vehicle, and notify the owner or manager of the motor vehicle to purchase compulsory traffic insurance in accordance with the regulations, and impose a fine of twice the amount of the insurance premium that should be paid.

If the traffic management department finds that the motor vehicle is not in accordance with the relevant provisions of the compulsory traffic insurance insurance, then, will not handle the compulsory traffic insurance of the motor vehicle detained, and require the owner to insure, and will also be penalized, the penalty amount is twice the amount of the insurance premium, if the owner of the compulsory traffic insurance in a timely manner, then, you can carry the good compulsory traffic insurance policy and insurance mark to receive the motor vehicle.

If the motor vehicle on the road is not placed in accordance with the provisions of the compulsory traffic insurance sign, the traffic management department can detain the motor vehicle, notify the owner, require him to provide the compulsory traffic insurance mark or the compulsory traffic insurance to reissue, and can also impose a fine of 20 yuan to 200 yuan. If the vehicle owner provides the insurance mark of the compulsory traffic insurance or carries out valid re-application procedures for the compulsory traffic insurance, the motor vehicle can be collected.

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

1. Compulsory traffic insurance, that is, compulsory traffic insurance, is a national compulsory insurance, which must be bought, mainly for the compensation for losses caused to third parties in traffic accidents. 2. Commercial insurance is purchased by car owners according to their personal needs. Commercial insurance also includes basic insurance and additional insurance.

Among them, the basic insurance includes: 1. Vehicle damage insurance - compensation for collision, subversion and other losses that occur during the driving of the car; 2. Commercial third-party liability insurance - the same as compulsory traffic insurance, after deducting the amount of compulsory traffic insurance, the insufficient part shall be paid by the commercial third party; 3. Liability insurance for personnel on the bus - compensation for passengers (including drivers) in each seat on the bus. Riders include:

Theft insurance, glass breakage insurance, body paint damage insurance, spontaneous combustion insurance, wading insurance, etc. Rider insurance is a type of insurance that can only be purchased under the condition that the basic insurance is purchased. In addition, all of the above insurances include a certain deductible, so it is generally necessary to purchase basic insurance without deductible and additional insurance without deductible after insurance.

20% of the theft insurance is absolutely not deductible, so there is no theft insurance without deductible). It is very necessary to buy an insurance for your car, the road is like a tiger's mouth, sometimes it is not you to touch others, others to touch you, you are also injured, more insurance and more peace of mind. Please reapply for your car insurance in time.

The compulsory car insurance should be renewed in time after the expiration of the compulsory insurance, and the documents required: 1. Bring your ID card, vehicle driving license (if it is a company's vehicle, then you also need the organization ** certificate), and the compulsory traffic insurance policy of the previous year to the insurance company to renew; 2. If the insurance is not renewed in time, the harm is very great, if a traffic accident occurs, the owner needs to pay the claim amount of the compulsory car insurance; 3. If the compulsory traffic insurance expires, the annual inspection and review of the vehicle will not be accepted, and if it is found by the law enforcement traffic police, it will be subject to certain penalties (the punishment standards vary from place to place). Relevant penalty provisions:4. Article 98 of the Road Traffic Safety Law of the People's Republic of China stipulates that if the owner or manager of a motor vehicle fails to take out compulsory third-party liability insurance for motor vehicles in accordance with national regulations, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and impose a fine of twice the insurance premium payable in accordance with the minimum liability limit for insurance in accordance with the regulations.

The following are the penalties for those who do not renew the insurance: 1. If the compulsory insurance of the vehicle is not renewed in time, the traffic management department of the public security organ has the right to detain the motor vehicle after the car is found and notifies the owner and manager of the machine to purchase the compulsory traffic insurance in accordance with the regulations, and impose a fine of 2 times the insurance premium; 2. When the compulsory traffic insurance expires, the owner will not be penalized for renewing the insurance for a period of time; 3. However, if it is found by the traffic management department during the period before the renewal of the insurance, the car will be detained on the spot and punished with a fine of twice the amount of the compulsory insurance premium, and the insurance company will not be liable for compensation for traffic accidents that occur during this period.

If the compulsory vehicle insurance expires, you need to renew it in time, and the following are the penalties for not renewing the insurance:

1. If the compulsory vehicle insurance, that is, the compulsory traffic insurance is not renewed in time after expiration, the traffic management department of the public security organ has the right to detain the motor vehicle after checking the vehicle, and notify the owner and manager of the motor vehicle to purchase the compulsory traffic insurance in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid;

2. When the compulsory traffic insurance expires, the owner will not be penalized for renewing the insurance for a period of time;

3. However, if it is found by the traffic management department during the period before the renewal of the insurance, the car will be detained on the spot and punished with a fine of 2 times the compulsory insurance premium, and the traffic accident that occurred during this period of time, the insurance company will not be liable for compensation.

What to do if the compulsory vehicle insurance expires The compulsory vehicle insurance, that is, the compulsory traffic insurance expires and the letter limb is not renewed in time, the traffic management department of the public security organ has the right to detain the motor vehicle after checking the car, and notify the owner and manager of the motor vehicle to purchase compulsory traffic insurance in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid. So what should I do if the compulsory vehicle insurance expires? The following is detailed by me in this article.

What should I do if the vehicle sliding family insurance expires?

1. What are the risks of expired compulsory vehicle insurance?

When the compulsory traffic insurance expires, the owner will not be penalized for renewing the insurance for a period of time. However, if it is found by the traffic management department during the period before the renewal of the insurance, the car will be detained on the spot and punished with a fine of twice the amount of the compulsory insurance premium, and the insurance company will not be liable for compensation for traffic accidents that occur during this period.

2. How to renew the compulsory vehicle insurance after expiration?

To renew the compulsory liability insurance, you need to bring the following information to the insurance company:

Driving license (original, copy, **, choose one of the three).

1) If the insurance policyholder is an individual, he or she needs to provide: ID card (copy, **, both must be front and back, choose one of the two).

2) If the insurance policyholder is an enterprise: the organization ** certificate (copy, **, choose one of the two).

Is compulsory liability insurance** all the same?

Article 6 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that compulsory insurance of motor vehicle traffic accident liability shall be subject to uniform insurance terms and basic insurance rates. The China Insurance Regulatory Commission (CIRC) examines and approves the insurance rates in accordance with the principle that the compulsory insurance business of motor vehicle traffic accident liability is generally not profitable or loss-making.

Therefore, the compulsory traffic insurance is unified across the country, and the implementation of the same model is unified across the country. Family 6 with the following car: 1050 yuan per year.

6 seats (inclusive) more than 1100 yuan per year enterprise less than 6 seats non-business cars: 1000 yuan per year 6-10 seats 1190 yuan per year; 10-20 seats: 1300 yuan per year; More than 20 seats:

1580 Yuan year and so on.

What to do if the vehicle compulsory insurance expires @2019