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What to do if your vehicle insurance expires

2026-01-24 23:56:26 educate

What should I do if my vehicle insurance expires? ——Comprehensive analysis of response plans

车辆保险是车主合法上路的重要保障，但偶尔因疏忽导致保险过期的情况时有发生。 This article will combine the hot topics on the Internet in the past 10 days to provide you with structured solutions and attach relevant data references.

1. Risks and consequences of expired insurance

What to do if your vehicle insurance expires

Risk typespecific consequencesLegal basis
legal risksCar impoundment + fine (minimum double premium for compulsory traffic insurance)Article 98 of the Road Traffic Safety Law
Accident riskFull self-pay compensation + medical expenses《机动车交通事故责任强制保险条例》
credit riskAffects the premium discount for the following yearRenewal policies of various insurance companies

2. Emergency steps after expiration

1.Stop driving immediately：保险失效期间发生事故需承担全部责任

2.Quick renewal process:

Renewal methodMaterials requiredProcessing time
Online renewalID card + electronic version of driving licenseEffective in 30 minutes (for some companies)
Offline counterOriginal paper document1-3 working days
AgencyPower of attorney + copy of certificateDepends on agent efficiency

3. Solutions for different expiration times

Expiration timesolutionThings to note
Within 3 daysNormal renewal will have no impactSome companies have a grace period
Within 1 monthVehicle needs to be re-inspected (some companies)Possible loss of no-compensation benefit
more than 3 monthsTreated as new car insurancePremiums increase by 20%-30%

4. The latest renewal discount data in 2023

insurance companyExpired renewal discountsSpecial services
PICC Property & Casualty InsuranceSend 3 times roadside assistanceNational general compensation
Ping An Auto Insurance15% off + driving couponFlash compensation service
Pacific InsuranceFree annual inspection agencyWorry-free accident service

5. Practical tips to prevent insurance expiration

1.Set triple reminders：手机日历+保险公司短信+交管12123APP

2.Choose automatic renewal: Bind credit card to enjoy seamless connection

3.Electronic policy management: Back up important files using cloud storage

Special tips:According to the latest regulatory requirements, electronic insurance policy online verification will be implemented nationwide from September 2023. It is recommended that car owners update their policy information on the "Traffic Management 12123" APP in a timely manner to avoid affecting the annual vehicle inspection.

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