What to Do If the Compulsory Traffic Insurance Is Lost?

[EstherAnn]

If the compulsory traffic insurance is lost, you can go to the insurance company where you purchased the compulsory traffic insurance to apply for a replacement. Below is a detailed introduction to the compulsory traffic insurance policy: 1. Function: After purchasing compulsory traffic insurance, the insurance company will issue a compulsory traffic insurance policy, which proves that the vehicle owner has purchased compulsory traffic insurance. The compulsory traffic insurance policy is mainly used for vehicle annual inspections or as proof for claims. When an accident occurs, the vehicle owner needs to provide the compulsory traffic insurance policy and identity proof to proceed with the claim. 2. Replacement Instructions: If the compulsory traffic insurance policy is lost, the vehicle owner should immediately apply for a replacement. According to the insurance company's regulations, the replacement generally requires the owner's ID card and the original vehicle license. The vehicle owner can also authorize someone else to handle the replacement, but they will need to provide a power of attorney and relevant authorization documents for the third party to replace the compulsory traffic insurance on their behalf.

[KadenLynn]

Don't panic if you lose your compulsory traffic insurance policy, I've had a similar experience. Immediately check whether it's really lost in your car or at home. If you can't find it, quickly contact your insurance company—like me, I used an APP to quickly reissue it by entering my license plate number and ID information, and got the electronic version done in minutes. After downloading, print it out and carry it with you, otherwise you may be fined by traffic police when driving on the road, and you won't pass the annual inspection. The cost is not high, just a few dozen yuan. Preventive measures are quite important in daily life. I suggest taking a photo and saving it on your phone or uploading it to the cloud, so you won't be in a hurry next time. Electronic services are really convenient. Now many insurance companies support one-click operations, reducing anxiety. Remember not to delay, safety first, and get into the habit of checking your document folder when driving.

[McIsabel]

Handling the loss of compulsory traffic insurance requires a systematic approach. For someone like me who drives frequently, staying calm is crucial in such situations. The first step is to confirm that the policy is indeed lost to avoid wasting time searching aimlessly. The second step is to directly call the insurance company's customer service hotline, which is available 24/7. Provide your license plate number, vehicle identification number (VIN), and your identification to easily apply for a reprinted policy. A small reissuance fee is usually required, and once obtained, keep the new policy in a fixed location inside the car. The key point is that driving without proof of insurance carries significant risks—traffic police may impose a fine of over 200 RMB, and your vehicle will fail the annual inspection. For added protection, I make a copy to store in a home folder, ensuring complete security. Maintaining order helps avoid unnecessary trouble.

[BrookeLynn]

With years of driving experience and having lost my compulsory traffic insurance policy twice, I've gathered some insights. Don't panic—replacing it is straightforward: visit an insurance company branch or submit your license plate and ID information online, and you'll get a new policy the same day. Bring your vehicle registration as supplementary verification; it won't cost much. Timely handling is crucial—driving without insurance can lead to fines or even towing. Once replaced, keep the policy in a visible spot in your car. I make it a habit to take a photo as a backup for easy inspection. Prevention beats remedy—regularly organizing your document drawer can minimize such minor mishaps.