Does Commercial Insurance Take Effect If Compulsory Traffic Insurance Expires?

1 Answers
DiAnnie
07/30/25 12:00am
If the compulsory traffic insurance expires while the commercial insurance is still valid, the insurance company will provide compensation within the coverage of the policy. Here are the relevant details: 1. Reason: Compulsory traffic insurance is a mandatory policy required by the state to protect victims in accidents. However, due to its low coverage amount, many people do not opt for third-party liability insurance. 2. According to China's traffic regulations: If a vehicle owner is found without compulsory traffic insurance, they will be fined double the premium amount. The owner must also reinstate the compulsory traffic insurance, and the vehicle may be impounded. Therefore, if you encounter the issue of compulsory traffic insurance expiring, it is crucial to renew the policy immediately. As long as the lapse in coverage does not exceed three months, you can still enjoy premium discounts.
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