What to Do If You Forget to Renew the Compulsory Traffic Insurance?
4 Answers
If you forget to renew the compulsory traffic insurance, you can simply make a late payment. The vehicle owner only needs to bring documents such as the vehicle registration certificate and ID card to the insurance company for renewal within three months after the expiration. The full name of the compulsory traffic insurance is the Motor Vehicle Traffic Accident Liability Compulsory Insurance. It is a mandatory liability insurance where the insurance company compensates for personal injuries, deaths, and property losses of victims caused by road traffic accidents involving the insured vehicle, within the liability limits. The compulsory traffic insurance is China's first mandatory insurance system implemented by national law. Its premium is uniformly charged nationwide as stipulated by the state, but the prices vary for different car models.
Last time I also forgot to pay the compulsory traffic insurance, so I quickly parked my car at home and didn't drive it. I found the insurance company's official account online to make the overdue payment. The process was simple—just fill out an application form and pay the fee. Don't take the chance of driving on the road; if the police catch you, you could be fined several hundred yuan and possibly have your car impounded. If an accident happens, you'll be fully responsible for compensation. Later, I set a phone reminder to notify me one month in advance to avoid forgetting again. Although the cost of car maintenance is small, neglecting these details can lead to big troubles, affecting your mood and wasting money. I recommend all car owners regularly check their insurance status.
I made the same mistake as a beginner, feeling all jittery inside, and immediately called the insurance company's customer service. They said topping up is very convenient—just bring your ID and vehicle documents to a branch, and it’ll be resolved in half an hour, usually without extra fines. Getting fined on the road would mean bigger losses, and the lack of safety coverage is even scarier. Since then, I’ve learned to link my bank card for automatic renewal—it’s worry-free and makes driving much more reassuring. If you encounter a similar situation, don’t panic; just check the local process online.
As a parent, I worry about the safety of my child riding in the car with expired insurance, so I immediately drove to the insurance company to make the payment. The procedure isn't complicated—just fill out the forms, pay the fee, and get the new policy. Driving without insurance is high-risk; even a minor accident could mean paying out of pocket. It's a good habit to regularly check the policy expiration date—don't wait until you forget.
