Whether it is a new car or a second-hand car, you need to pay compulsory insurance, otherwise the car cannot be driven on the road. When buying a second-hand car, if you want to check whether the compulsory traffic insurance has expired, you can check it through the insurance company's business office, telephone, official website, public account, etc. If the policy is not renewed within 24 hours after expiration, it will be considered out of coverage.
How to check whether the compulsory traffic insurance on a second-hand car has expired
There are three ways to check whether the compulsory traffic insurance on a second-hand car has expired:
1. Insurance company query
Go to the insurance company's business office, and you can check whether the car insurance has expired with your ID card and license plate number. Generally, you need to go on weekdays and during working hours, and you may need to wait in line.
Note: If the compulsory traffic insurance was purchased by the original car owner, the original owner’s ID card information must be used when checking.
2. Telephone inquiry
Dial the insurance company’s customer service number to inquire. Enter the corresponding ID card and license plate number information according to the voice prompts to check whether the car insurance has expired.
3. Online query on the official website or public account
First enter the official website or public account of the relevant insurance company, find the query page, and then enter the vehicle-related information according to the page prompts, such as the city, license plate number, frame number or owner’s ID card information, etc. You can get information about whether your car insurance has expired. If it expires, you can renew it directly online.
When buying a second-hand car, you must check the compulsory traffic insurance information, especially for some second-hand cars that are more than 15 years old. If you do not have compulsory insurance, you must be wary of the risk of the car failing the annual inspection. It is best to discuss this first. If you fail to pass the annual inspection, there is a risk. Who bears it.
How long after the expiration of the compulsory traffic insurance for a second-hand car is considered to be out of insurance?
The expiration time of the compulsory traffic insurance cannot exceed 24 hours of the last day of validity. Once it exceeds, it will be considered as out of insurance. Compulsory traffic insurance is compulsory insurance . If you don’t buy it, you can’t drive on the road. Of course, if the compulsory traffic insurance is overdue and late for a few days, the insurance company will not fine you. As long as it is within three months, you can still enjoy discounts if you purchase it again. However, if you are driving on the road and are discovered by the traffic police, you will be fined. The relevant penalties are as follows:
Article 98 of "Road Traffic Safety Law of the People's Republic of China" stipulates: If the owner or manager of a motor vehicle fails to insure compulsory motor vehicle third-party liability insurance in accordance with national regulations, the public security organ shall The management department shall detain the vehicle until it is insured in accordance with regulations, and impose a fine of twice the insurance premium payable according to the minimum liability limit for insurance in accordance with regulations.
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