Log in to official website, an insurance company, and enter your own license plate number and other related information in the policy inquiry interface, so you can find out the auto insurance you have insured in this insurance company, which naturally includes compulsory insurance.
2, the insurance company offline outlets query
Bring your ID card to the offline business outlets of the insurance company, and the counter staff will help you check.
3. Customer service telephone inquiry
Each insurance company has a special customer service hotline, which can provide customers with insurance reporting, insurance consultation, insurance inquiry and other services. If you want to inquire about your auto insurance policy, you can directly call the customer service hotline of the insurance company and provide relevant information according to the requirements of the customer service staff.
4, SMS or email query
At present, auto insurance is a unified electronic insurance policy. After purchasing auto insurance, the insurance company will send it to the customer by SMS or email. You can check it in your text message or email.
The full name of compulsory traffic insurance is "compulsory liability insurance for motor vehicle traffic accidents", which is a kind of compulsory liability insurance that the insurance company compensates 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 limit of liability.
Compulsory insurance is the first compulsory insurance system implemented by national laws in China. Its premium is subject to the national unified charging standard, which is uniformly stipulated by the state, but the compulsory insurance price of different models is also different, and the main influencing factor is "the number of car seats".
Since September 19, 2020, the Guiding Opinions on Comprehensive Reform of Auto Insurance has been formally implemented, and the total liability limit of compulsory insurance has been increased from122,000 yuan to 200,000 yuan.
insured liability
Article 8 In People's Republic of China (PRC) (excluding Hong Kong, Macao and Taiwan), if the insured has a traffic accident in the process of using the insured motor vehicle, causing personal injury or property loss to the victim, the insurer shall be liable for damages according to law, and the insurer shall be liable for compensation for each accident within the following compensation limits according to the stipulations of the traffic insurance contract:
(a) the death and disability compensation limit is 1 10000 yuan;
(2) The compensation limit for medical expenses is 10000 yuan;
(3) The compensation limit for property losses is 2,000 yuan;
(4) When the insured has no responsibility, the compensation limit for death and disability without responsibility is 1 1000 yuan; The compensation limit for medical expenses without responsibility is 1000 yuan; The compensation limit for irresponsible property losses is 100 yuan.
Under the limits of death, disability compensation and irresponsible death and disability compensation, the insured is responsible for compensation for funeral expenses, death compensation, transportation expenses, disability compensation, disability AIDS, nursing expenses, rehabilitation expenses, transportation expenses, living expenses, accommodation expenses, lost time for dependents, and spiritual damages paid by the insured according to court judgment or mediation.
Medical expenses compensation limit and liability-free medical expenses compensation limit are responsible for compensation for medical expenses, medical expenses, hospitalization expenses, hospital food subsidies, necessary and reasonable follow-up treatment expenses, cosmetic expenses and nutrition expenses.