Browse

Antiques Collectibles Apparel Baby Kids Items Books， Movies And Music Electronics Free Stuff Garden Outdoor Health Beauty Home Goods Home Improvement Supplies Musical Instruments Office Supplies Pet Supplies Sporting Goods Ticket Toys Games Transportation Others

Used Cars New Cars Others

Business Crafts Design And Web Events Home Improvement Legal Lessons Personal Pets Photography Repair And Technical Support Wellness Writing， Translation， And Transcription Others

Activities & Groups Artists & Musicians Classes & Lessons Events Friendship & Networking Lost & Found Rideshare Sports Teams Volunteers Travel & Travel Partners Skills & Language Swap Other

Is Commercial Insurance Still Valid After Compulsory Traffic Insurance Expires?

1 Answers

MaddoxFitz

07/29/25 8:09pm

After the compulsory traffic insurance expires, commercial insurance will cover under the following specific circumstances. For the other party's losses within the compensation scope of compulsory traffic insurance, the insurance company will not compensate due to the expiration of compulsory traffic insurance. For the other party's losses exceeding the compensation scope of compulsory traffic insurance, after deducting the compulsory traffic insurance compensation amount, the relevant commercial insurance coverage will compensate. For your own losses, they will first be compensated by the other party's compulsory traffic insurance (no-fault compensation), and the excess will be covered by your own relevant commercial insurance coverage. Compulsory traffic insurance compensation procedure: If the compulsory traffic insurance claim involves third-party casualties or property damage in a road traffic accident, the policyholder should first contact the 120 emergency number (in case of personal injury), call the 122 traffic police number, and report the case to the insurance company's customer service hotline. Cooperate with the insurance company in on-site investigation, and may request the insurance company to pay or advance the rescue fees based on the situation. The insurance company should, within 1 day of receiving the compensation claim, provide a written notice of the required proofs and materials related to the compensation. Within 5 days of receiving the proofs and materials, the insurance company should determine whether it falls under the insurance liability and notify the policyholder of the result. For cases not covered by the insurance liability, a written explanation should be provided. For cases covered by the insurance liability, the insurance company should compensate within 10 days after reaching a compensation agreement with the policyholder.

Was this review help?

19

1

Share

More Forum Discussions

When was the China IV vehicle standard introduced?

China IV emission standards were implemented starting in 2011. Here are specific details about emission standards: 1. Definition: The reason why China frequently updates emission standards is that with the increase in vehicle ownership, the environmental pollution caused by automobile exhaust has become increasingly severe. Vehicle exhaust contains harmful gases such as carbon monoxide and hydrocarbons, and emission standards set limits on the discharge of these gases. China's emission standards are primarily based on European Union standards, with some adaptive modifications made to suit local conditions. 2. Phase: Currently, China is in a transition period between China V and China VI standards. Many automakers have already launched models that comply with China VI standards, while China V standard models are being heavily discounted to clear inventory. Car buyers planning to purchase vehicles might be concerned about the implications of buying during this transition period. It's understood that currently, even vehicles meeting China VI standards still receive China V labels when being registered.

Can ETC still be used after being removed and reinstalled?

It cannot be used normally after being removed and reinstalled. During installation, there is a button at the back of the device that connects to the windshield. Data is only saved when this button is pressed. When the device is removed for the second time, the button pops out, triggering the reset mechanism and clearing all data. As a result, the device becomes unusable, and a reinstallation is required. ETC stands for Electronic Toll Collection. To apply for ETC, the following documents are required: the original and photocopy of the vehicle owner's valid ID and driving license. If the application is made by a proxy, the proxy's valid ID is also required. The photocopy of the driving license should include the page with the most recent annual inspection stamp. A bank card for deducting highway tolls is also needed. Applicants must be between 18 and 60 years old, and the vehicle must be registered under a personal name. For company vehicles, the required documents include: an introduction letter from the vehicle owner (with official seal), a photocopy of the organization code certificate or business license (with official seal), the original ID of the proxy, the original vehicle driving license, and the vehicle that needs ETC. How ETC works: The vehicle-mounted electronic tag installed on the windshield communicates with the microwave antenna in the ETC lane at the toll station. The computer network technology then settles the payment with the bank, allowing vehicles to pass through highway or bridge toll stations without stopping. Benefits of installing ETC: Time-saving: Avoids the hassle of waiting in line; Green and eco-friendly: Reduces noise and exhaust emissions as vehicles pass through toll stations without stopping; Cost-saving: Reduces wear and tear and fuel consumption by minimizing vehicle starts and stops. Users can also enjoy toll discounts; Improved efficiency: ETC lanes can theoretically increase traffic efficiency by 2-3 times, making traditional ETC faster and more high-tech. Compared to license plate payment, ETC technology is more mature and advantageous.

Why is a driver's license required for financing a car?

Financing a car does not necessarily require a driver's license, but banks generally request to see one because they typically only allow the borrower themselves to take out an auto loan, in order to reduce the bank's risk. The specific materials required for an auto loan are as follows: 1. Identity verification materials: Copy of the applicant's ID card; copy of spouse's ID card (not required if single). 2. Property ownership materials: If you do not own property, you can provide a copy of a friend's property deed as collateral or seek a guarantee from a guarantor company. 3. Proof of residence: Household registration booklet or temporary residence permit. 4. Proof of income materials: Original proof of the applicant's income; original proof of spouse's income. 5. Copy materials: Copy of driver's license.

How to Solve the Problem of Boyue Not Starting?

Here are the solutions for Boyue not starting: 1. Battery Depletion: When the car battery is depleted, the car may fail to start. There are many reasons for car battery depletion, such as lack of water in the battery, battery failure, or prolonged use of the air conditioning. If the car doesn't start, first check if there is an issue with the car battery and then take it to a 4S shop for repair. 2. Low Temperature: In cold winter weather, cars often have trouble starting. This is because, in low-temperature environments, the viscosity and rotation speed of the car's engine oil decrease, leading to reduced ignition energy from the battery and decreased molecular activity. If this happens, try pressing the clutch before starting the engine. 3. Carbon Buildup in the Car: Carbon buildup in the car's engine can cause starting issues. There are many reasons for engine carbon buildup, such as excessive water in gasoline, poor fuel quality, or poor sealing of the valve seat ring.

Is it advisable to buy a used car that has been transferred four or five times?

If a vehicle has been transferred four or five times, it generally indicates that the car has had multiple owners and is not very new. Such a used car is not recommended for purchase. Below is an introduction to used cars: 1. Introduction: A used car refers to a vehicle (including three-wheeled vehicles, low-speed trucks, originally agricultural vehicles), trailers, and motorcycles that have been registered with the public security traffic management authorities and can be traded and transferred ownership before reaching the national scrapping standards. 2. Nature: The definition of a used car is directly related to the scope of vehicles involved and, to some extent, affects the scientific nature of the used car evaluation system and the standardization of market transactions. Therefore, it is necessary to provide a clear definition. 3. Applicability: The biggest selling point of a used car is its affordability. With the same amount of money needed to buy a new car, you can purchase a higher-grade used car. Therefore, from the perspective of reducing car purchase costs, buying a used car is a wiser choice for the general public.

Can the car air conditioning filter be washed and reused?

Car air conditioning filters cannot be reused after washing. Here are the specific details: 1. Cleaning method: Due to the material and structural characteristics of the air conditioning filter, remember that it cannot be washed with water. A water-washed air conditioning filter is basically rendered useless. The filter can be cleaned with a high-pressure air gun to remove dust and debris. It is recommended to clean it once a month, especially during the summer when the air conditioning is frequently used. Regular cleaning of the air conditioning filter can extend its service life. 2. Working principle: The air conditioning filter, actually known as the 'car air conditioning filter,' is a specialized filter for purifying the air inside the car cabin. It generally uses long-fiber non-woven fabric as the main filtering layer, with some filters incorporating high-efficiency adsorption materials like activated carbon for better filtration. The main function of the air conditioning filter is to filter the air entering the cabin from the outside, improving the cleanliness of the air inside the cabin.

Trending Ranking

Why Do Most People Drive Used Ford Focus?

Where can I get the ABS pump repaired?

How to Solve the Oil Burning Issue in Audi Q5?

What does the snowflake button on an automatic transmission mean?

What type of engine oil should be used for BMW 5 Series?

Can a commercial-to-private vehicle be extended for use after 8 years?

How to Restore Factory Settings for Wheel Alignment?

What are the reasons for no response when turning the key to start the car?

What is the real fuel consumption of the Haval Chitu?

What is the actual fuel consumption of the Honda Wing 110?

More Forum Discussions

Does the China VI Outlander have a particulate filter?

Where is the USB port in the 2021 Volkswagen Lavida?

What is the fuel consumption of the Mercedes-Benz G-Class?

What is the comprehensive fuel consumption of the Honda Haoying?

Help

Cookie

Cookie Settings

© 2025 Servanan International Pte. Ltd.