What should I do if my compulsory traffic insurance has expired? Analysis of hot spots on the entire network in the past 10 days
Recently, the topic of "expired compulsory traffic insurance" has sparked heated discussions on major social platforms and car owner forums. Many car owners have expired insurance due to negligence or unfamiliarity with the process, and face risks such as fines and vehicle impoundment. This article combines the hot content of the entire network in the past 10 days to provide you with structured solutions.
1. Consequences of expired compulsory traffic insurance (data statistics)
| Consequence type | probability of occurrence | Penalty standards |
|---|---|---|
| Traffic police investigate and impose fines | 78% | 2 times the premium (minimum 400 yuan) |
| Vehicle impoundment | 35% | Return after reissue |
| No compensation for accidents | 100% | Bear the loss yourself |
2. Processing steps after expiration
1.Stop driving immediately: According to Article 98 of the Road Traffic Safety Law, uninsured vehicles are prohibited from being on the road.
2.Reissue process:
| step | Materials required | time consuming |
|---|---|---|
| Contact insurance company | ID card, driving license | 1 hour |
| Pay premium + late fee | Bank card/cash | immediate |
| Get new stickers | Electronic version/paper | 5 minutes |
3. Top 3 hot topics on the Internet
1.Is the electronic policy valid?: From 2023, electronic labels will be implemented nationwide and have the same validity as the paper version.
2.Expired grace period disputes: Some areas provide a 3-day buffer period (renewal certificate is required).
3.Problems with insurance renewal in other places: It is supported nationwide, but some provinces require additional vehicle inspections.
4. Recommended preventive measures
| method | Difficulty of implementation | effectiveness |
|---|---|---|
| Mobile calendar reminder | ★☆☆☆☆ | 89% |
| Insurance company automatically renews insurance | ★★☆☆☆ | 97% |
| Traffic control 12123 binding | ★★★☆☆ | 100% |
5. Special scene processing
1.Expired during the epidemic: You can apply for an extension with your isolation certificate (approval from the local traffic management bureau is required).
2.Second-hand car transfer: The new car owner needs to complete the insurance transfer within 24 hours.
3.Long-term parking of vehicles: Premiums can be waived (up to 3 years) after completing the suspension procedure.
Summarize: After the compulsory traffic insurance expires, priority should be given to avoiding legal risks and quick replacement through formal channels. It is recommended that car owners establish a dual reminder mechanism and use the [Insurance Expiration Warning] function of the "Traffic Management 12123" APP (a recently added push function) to avoid such problems from the source.
Note: The data in this article are based on hot discussions in the past 10 days on Weibo, Douyin, Autohome and other platforms. The policy is as of October 2023.
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