How to Check Commercial Auto Insurance?
2 Answers
There are several methods to check auto insurance: one is through an APP, another is via phone inquiry, a third is through counter service, and yet another is through third-party platforms. Third-party inquiries are mainly conducted via WeChat, as WeChat is now widely popular and most people have it. Simply follow the insurance company's official WeChat account to check. Below are the insurances required after purchasing a car: 1. Compulsory Traffic Insurance: This is a mandatory insurance required by the state. If not purchased, traffic police can impose fines upon inspection. This insurance offers limited compensation, mainly covering others and not the policyholder's own vehicle. 2. Third-party Liability Insurance: This covers compensation for third-party bodily injuries or fatalities caused by the vehicle owner. It is essential to purchase this for both your own and others' protection. 3. Vehicle Damage Insurance: This compensates for losses to the vehicle itself caused by natural disasters or accidents. It is recommended for new drivers. 4. No-deductible Insurance: An additional insurance that transfers the policyholder's own liability to the insurance company, reducing the owner's losses. If both Vehicle Damage Insurance and Third-party Liability Insurance are purchased, it is advisable to also get No-deductible Insurance.
As a frequent driver, I usually check my commercial insurance directly through the insurance company's official app. Just open the app, log in, enter the license plate number and policy number, and you can view the policy details, including the types of coverage, the scope of protection, and the effective date. If you don't have the app, the official website also works—just input your ID and license plate for verification, which is very convenient. Some friends who don’t have time to set up the app can call the insurance company’s customer service, provide vehicle and identity information, and they will instantly inform you of the policy status. I remember checking my insurance renewal last year through WeChat’s city services—after binding the license plate, the data automatically displayed. Don’t forget to keep an electronic copy of the policy on your phone in case of an accident, so you can access it anytime. Regularly checking your insurance status is essential to ensure peace of mind on the road.
