What does compulsory insurance mean?

Compulsory traffic insurance is called compulsory liability insurance for motor vehicle traffic accidents, which is compulsory motor vehicle insurance purchased by the state. It refers to the compulsory liability insurance that the insurance company compensates the victims other than the vehicle personnel and the insured for the personal injury and property loss caused by the road traffic accident of the insured motor vehicle within the liability limit.

It is mandatory that all motor vehicles must be insured before they can go on the road, otherwise they will be fined, deducted, detained or detained once they are investigated. Compulsory insurance, as a kind of insurance with the nature of third-party liability insurance, can avoid the situation that the owner has no money to compensate the other party after the accident and cause more disputes. Compulsory insurance for others is also a social morality.

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According to the provisions of the auto insurance clause, the insurer is not responsible for compensation for accidents caused by the insured motor vehicle due to the following reasons:

(1) Earthquake and its secondary disasters;

(2) War, military conflict, terrorist activities, riots, seizure, confiscation, seizure and government expropriation;

(3) Nuclear reaction, nuclear pollution and nuclear radiation; (4) The victim colludes with the insured or the driver in bad faith; (five) the insured, the driver or the victim intentionally caused the accident.

When an accident occurs, the insurer shall not be liable for compensation if the insured vehicle is under any of the following circumstances:

(1) Unless otherwise agreed, there is no valid driving license, license plate, temporary license plate or temporary mobile license issued by the traffic management department of the public security organ at the time of the insurance accident;

(2) Failing to conduct motor vehicle safety technical inspection within the specified inspection period or failing to pass the inspection;

(3) The insured vehicle is detained, requisitioned and confiscated during the competition, inspection, repair and maintenance, and the whole vehicle is stolen, robbed and robbed;

(4) Towing or being towed by other vehicles without compulsory insurance;

(5) The insured vehicle is transferred to another person, and the insured and the transferee fail to fulfill the notification obligation stipulated in Article 15 of the General Conditions in Part II of this insurance contract, and the risk of the insured vehicle is significantly increased due to the transfer, resulting in an insured accident.

When an accident occurs, the insurer shall not be liable for compensation if the driver has one of the following circumstances:

(1) driving a motor vehicle that does not conform to the quasi-driving type specified in the driver's license without obtaining a driver's license according to law, holding a driver's license that has not been verified as required;

(2) The driver still drives the motor vehicle when the driver's license is lost, damaged, expired, legally detained, temporarily detained or scored 12;

(three) there is no coach when learning to drive;

(four) driving a motor vehicle carrying explosives, inflammable and explosive chemicals, toxic or radioactive dangerous goods, or driving a motor vehicle to tow a trailer during the internship period;

(5) Drinking alcohol or taking psychotropic drugs or narcotic drugs under state control;

(6) Driving without the consent or permission of the insured;

(seven) using insurance vehicles to engage in criminal activities;

(8) After the accident, the insured or the driver fails to take measures to escape from the scene of the accident according to law, or intentionally destroys or forges the scene or destroys evidence;

(nine) in accordance with laws and regulations or the relevant provisions of the traffic administrative department of the public security organ, other circumstances in which the insured vehicle may not be driven.