The following reference to the internal notice since one insurance company:

   Motor vehicle traffic accident liability compulsory insurance (hereinafter referred to as the compulsory insurance) will be formally implemented in July 1, 2006, in order to better help you to understand the basic knowledge of compulsory insurance, provide knowledge concerning compulsory insurance for your reference.
    One, what is "pay strong risk", compulsory insurance and commercial third party liability insurance has what difference? What are the characteristics and significance?
    In accordance with the "Regulations of motor vehicle traffic accident liability compulsory insurance regulations" article third: cross strong insurance refers to the insurance company to the insured motor vehicle road traffic accidents caused by the vehicle, be casualties, property loss insurance victims except the people, be compulsory liability insurance compensation within the limit of liability. Needs to be emphasized is the definition of the victim does not include the insured motor vehicle car personnel and the insured.
    Characteristics of cross strong insurance: one is to highlight the "people-oriented", will ensure the victim get timely and effective compensation as the primary goal; two is the embodiment of "reward", namely the safe driver will enjoy preferential rates, often the perpetrators will afford the high premium; three is to adhere to the principle of social benefit, the insurance company insurance to pay strong not for the purpose of profit; four is a commercial operation, namely the cross strong insurance clauses and premium rate set by the insurance company, the CIRC no profit no loss according to the insurance business in general principles for approval.
    Establishment of compulsory insurance system's significance lies in: it is conducive to the road traffic accident victims to obtain timely and effective economic security and medical treatment; will help reduce traffic accident side of the economic burden; is conducive to the promotion of road traffic safety, through "retiring" rates of economic leverage, promote the driver to enhance safety awareness; is conducive to give full play to the function of insurance of social security, maintaining social stability.
    The difference between compulsory insurance and commercial insurance is:
    1, cross strong insurance is mandatory, commercial insurance are voluntary. Cross strong insurance requirements on the one hand, the owner or manager of motor vehicles on the road within the people's Republic of China on must be insured; on the other hand requires business insurance to pay strong qualified insurance company cannot be denied insurance, can not be arbitrarily removed cross strong insurance contract, but the insured fails to perform the obligation of the exception. A motor vehicle in violation of mandatory provisions of the owner, manager or the insurance company will be punished. Commercial insurance is the insured voluntary insurance, do not have mandatory.
    2, cross strong insurance implementation of "no fault liability" compensation, commercial insurance implement "punishment" principle of compensation. Insurance compulsory insurance of motor vehicle insurance in the accident is fault fault, or how much, as long as the resulting in personal property damage, the insurance company shall be responsible for compensation in insurance liability limit. But the current commercial three party insurance executes is "according to the compensation principle of punishment", namely the insurance company according to the insured motor vehicle liability proportion in the accident, liability in commercial three party insurance liability limits?
    3, cross strong insurance liability insurance coverage than the commercial three party insurance broad. The set of current commercial three party insurance clause most exclusions, such as family members and the vehicle driving insurance personal injury and property damage, drinking, hit and run, pollution, mental damage, as compulsory insurance liability, or require the insurance company to pay the rescue expenses. At the same time, the compulsory insurance of insurance compensation without setting deductibles and franchise any.
    4, cross strong insurance practice of limitation of liability system, and the limitation of liability fixation; commercial three party liability insurance only set comprehensive liability limit, but the limits of liability can be divided into different grades. Cross strong insurance liability for death and disability compensation compensation quota limits, medical expenses limit, property damage compensation limit and the insured has no liability in road traffic accidents. Limit compensation in which no responsibility can be divided into non disability compensation liability, death is not responsible for medical expenses limit and no liability for property loss limit. While the commercial three party liability insurance only set comprehensive liability limit, but the limits of liability can be divided into different grades, but by the insured freedom of choice.
    Two, cross strong insurance underwriting process
    Need to buy insurance to pay strong - choose to purchase channels (online purchase) - entry of insurance information - submit application (including trial premium) - select premium delivery (cash / online payment) - charge policy (door-to-door delivery of single / mail to send single)
    Three, cross strong insurance claims process
    (a) not involving personal injury accident insurance
    After the Chuxian please call the local call, and call the insurance company service hotline - insurance companies reported survey the scene of the accident, and approved third party motor vehicle and property loss, repair damaged third party motor vehicle or property - commit record repair third party motor vehicle and other property losses to the insurance company claims documents - receive indemnity
    (two) relates to personal injury accident insurance
    After the Chuxian please call the local call, and call the insurance company service hotline to report claims personnel casualties - - insurance company site survey and approved third party motor vehicle and property losses, while tracking the wounded treatment, repair damaged third party motor vehicle or property - submit claims documents - receive money (the whole process, you can always related to the Claims Officer in consultation with the insurance company claims related)
    Three, cross strong insurance FAQ
    (a) whether July 1st will have to buy insurance to pay strong?
    As in July 1, 2006 before the insured commercial motor vehicle third party liability insurance, can be in commercial motor vehicle third party liability insurance after the expiration of the period of insurance, compulsory insurance. As in July 1, 2006 before the insured commercial motor vehicle third party liability insurance, must be made within three months of strong risk of the insured to pay since July 1, 2006. Commercial motor vehicle third party liability insurance has handled before July 1, 2006, drive please take insurance or commercial insurance, to facilitate the traffic police for inspection at any time.
    Otherwise, the traffic control department of the public security organ shall withhold your vehicle, and cross strong insurance 2 times the fine, to you in accordance with the provisions for compulsory insurance, can return the vehicle.
    (two) to buy insurance to pay strong still need to buy commercial insurance, how to buy?
    Cross strong insurance is mandatory, but cross strong insurance liability limit is fixed and relatively low, commercial insurance is a voluntary purchase, and a variety of different grades of quota available. Because of the personal injury compensation standards, cross strong insurance does not assume full liability, due to traffic accidents caused casualties required therefore, in the purchase of insurance to pay strong, you can according to their actual needs to buy commercial insurance.
    If you need to buy commercial insurance, in order to facilitate you get efficient, fast service claims, suggest you are best in the same insurance companies to buy commercial insurance and insurance. You can come directly to the insurance company business outlets through electronic commerce website, the bank or buy.
    (three) to buy insurance to pay strong need to pay attention to what matters?
    You buy insurance to pay strong, should be handed over the strong dangerous signs posted on your car windshield right, so that the traffic police check. Otherwise, when the traffic police requires you to provide the insurance sign you cannot provide, the traffic police will withhold your vehicle, and can be a warning or 20 yuan to 200 yuan fine, also need you to re submit the relevant procedures.
    Four, expert advice
    After buying insurance to pay strong according to demand to buy commercial insurance?
    You buy the insurance to pay strong, can consider your economic affordability and local personal injury accident compensation standards, to buy a certain limit of liability of the commercial third party liability insurance and motor vehicle insurance, so as to provide more security for you, reduce the burst traffic to you and your family material and spiritual loss. At the same time for the future can enjoy the convenience of service claims, it is recommended that you had better buy compulsory insurance and commercial insurance with an insurance company.