How long can car insurance not exceed?
3 Answers
Car insurance cannot exceed one year. Vehicle Insurance: Vehicle insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that covers liability for personal injury, death, or property damage caused by natural disasters or accidents involving motor vehicles. Car insurance is a form of property insurance, and within the field of property insurance, it is a relatively young category, having emerged and developed alongside the advent and popularization of automobiles. Unlike modern motor vehicle insurance, early car insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body. Points to note when purchasing vehicle insurance: It is important to choose a legitimate insurance company and an agent with valid professional qualifications, a sales license, and a formal agency contract with the insurance company.
I remember since I started driving, car insurance policies usually last for 12 months, and you must renew it annually without too much delay. Once I forgot to renew until after it expired, and when I drove out, I was stopped by traffic police, fined, and it caused a lot of inconvenience. Driving even one day with expired insurance is illegal and poses significant risks; if an accident happens without coverage, you'd have to pay for everything yourself. Now, I've developed a habit of renewing my insurance a month before it expires using the insurance company's app, and setting a reminder on my phone makes it super convenient. Delaying too long might also lead to increased premiums or the hassle of reapplying for underwriting. Timely renewal protects both yourself and others, ensuring safe driving is the most practical approach.
The validity period of car insurance is exactly 12 months, and it cannot be used normally once expired. As a driver with years of experience, I am well aware of the risks: driving without renewal is illegal and may result in fines and demerit points; more seriously, being uninsured in the event of an accident can lead to enormous financial burdens. A friend of mine delayed renewal for just three days and was fined 2,000 yuan. Therefore, I insist on renewing my insurance in advance every year, opting for quick online payments to save time. Insurance cannot be renewed after the expiration date, otherwise, the cost of re-insurance will be higher and it will affect driving records. Road safety responsibility begins with ensuring uninterrupted insurance coverage.
