Two, the use of mobile phone networking online query insurance information of insurance companies. As long as you enter the frame number or license plate number of the vehicle, you can query the traffic insurance information of the vehicle.
Third, through the mobile phone WeChat official account
Operating environment:
Brand model: iPhone 13
System version: iOS 15.4
Application version: v4.33.2
Wechat search WeChat official account online query; Enter the frame number or license plate number of the vehicle, and you can check whether the compulsory insurance of the vehicle has expired online. You can know all the data at once, and you can find it without leaving home.
1. What does compulsory auto insurance include?
Compulsory auto insurance includes: if an insured motor vehicle unfortunately has an insurance accident, resulting in personal injury and property loss to the victim (except the personnel on board and the insured), then the insurance company can pay compensation within the compulsory insurance limit. The main compensation expenses include death and disability compensation, medical expenses compensation and property loss compensation. In fact, compulsory auto insurance, which we often say, is a kind of auto insurance that the state requires motor vehicle owners to pay.
Second, what is compulsory insurance?
The so-called compulsory insurance refers to the insurance that all units or individuals within the prescribed scope must participate whether they like it or not according to the relevant laws and regulations promulgated by the state. For example, all countries in the world generally stipulate motor vehicle third party liability insurance as compulsory insurance. Because compulsory insurance in a sense shows the intervention of the state on individual wishes, the scope of compulsory insurance is strictly limited. China's "Insurance Law" stipulates that insurance companies and any other units shall not force others to conclude insurance contracts except in cases stipulated by laws and administrative regulations.
3. What is the function of compulsory insurance?
Realizing social harmony and building a beautiful society is the strategic goal of China at present and for a long time to come. Insurance is a risk management industry, and its unique compensation and guarantee function plays an irreplaceable role in eliminating or reducing losses caused by natural disasters, emergencies and major accidents and promoting social stability and order. For example, in recent years, in mine accidents, some relatives of victims often have disputes over economic compensation, which affects local social stability. However, some disasters and accidents have been solved quickly because of the insurance guarantee, and the insurance company has settled claims according to the contract. The main difference between compulsory insurance and ordinary commercial insurance is that in commercial insurance, whether to insure and what kind of insurance to insure are completely decided by the insured; The insured amount and premium shall be determined by the insured and the insurer through consultation. Through the arrangement of legal system, it is stipulated that some subjects must participate in compulsory insurance according to law, so that some high-risk industries and fields have sufficient insurance protection, which can better play the economic compensation and social management functions of insurance and maintain social stability.
In auto insurance, compulsory insurance is only one kind of compulsory insurance. Motor vehicle traffic accident liability compulsory insurance (hereinafter referred to as "compulsory insurance") is the first compulsory insurance system implemented by national laws in China. Compulsory traffic insurance is a compulsory liability insurance for insurance companies to compensate the victims (excluding the people on board and the insured) for personal injury and property losses caused by road traffic accidents of insured motor vehicles within the limits of liability.