If you find that your compulsory insurance has expired, don't be too nervous. Renewal of insurance is a very simple matter, without any difficulty. If there is an insurance salesman's phone number or WeChat, you can directly send the front and back of the driving license and the front and back of the ID card, and they will pay directly. If you don't know the insurance salesman, you can take the driving license and ID card and pay directly into the insurance company lobby. After the compulsory insurance expires, there are various hidden dangers and risks, so it is best not to take out insurance.
1. What should I do when compulsory insurance expires?
(1) Compulsory compulsory compulsory insurance is stipulated by the state to protect the victims in accidents. However, due to its low insurance coverage, many people make up for it through third-party liability insurance.
(2) However, in the third party liability insurance contract, the insurance company will stipulate that it will not be liable for compensation within the scope of compulsory insurance. Therefore, if the compulsory insurance fails to renew, the accident car owner will face huge compensation.
(3) According to the provisions of China's traffic law, if it is found out that the owner has not handled the compulsory insurance, he will be fined twice the premium to make up the compulsory insurance and detain the vehicle.
(4) If it expires, you can renew your insurance as soon as possible, and you can still enjoy the discount as long as the insurance time does not exceed three months.
(5) According to the provisions of China's traffic law, if it is found out that the owner has not handled the compulsory insurance, he will be fined twice the premium to make up the compulsory insurance and detain the vehicle.
Second, how to punish the overdue auto insurance?
Because compulsory traffic insurance is compulsory liability insurance, the insurance company will compensate the victims (excluding the people on board and the insured) for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limits of liability. Therefore, once the compulsory insurance is not renewed, the accident car owner will face huge compensation. According to the law:
1, buckle the car first;
2, you go to buy a strong insurance;
3. A fine of twice the amount of compulsory insurance you bought.
Legal basis:
Article 98 of the Road Traffic Safety Law
If the owner or manager of a motor vehicle fails to take out compulsory motor vehicle third-party liability insurance in accordance with the provisions of the state, the traffic administrative department of the public security organ shall detain the vehicle until it is insured in accordance with the provisions, and impose a fine of twice the insurance premium payable in accordance with the provisions. All fines paid in accordance with the preceding paragraph shall be included in the social assistance fund for road traffic accidents. Specific measures shall be formulated by the State Council.