How do we check vehicle insurance? Complete guidance on vehicle insurance access, procedures and care
I. Queries about the significance of vehicle insurance: why many drivers need to check vehicle risk information
Information on vehicle insurance policies
Many owners search for vehicle insurance when they buy a car, forget the renewal time, lose a policy, make a risk settlement, and check the traffic police. Vehicle insurance records are motor vehicle road documents and contain core information such as strong risk insurance, commercial insurance insurers, start-up and termination times, types of insurance, beneficiaries, risk documentation, etc。
Many of the drivers encountered the loss of paper insurance policies, the change of insurance companies not to remember the insurance platform, the purchase of second-hand vehicles that did not know the insurance status of the former owner, uncertainty as to the validity of the risk, and fear of being punished for being released. If vehicle risk is not quickly traced, there is a high risk of de-privileged access and of deductions and failure to pay compensation。
Risk insurance is compulsory and de-privileged vehicles are not allowed to travel; commercial insurance covers three-person insurance, vehicle loss insurance, seat insurance, etc., and is a safeguard against risk in the event of an accident. This paper is a step-by-step effort to provide information on the regular vehicle risk search channels, detailed operating procedures, interpretation of the contents of the search, use of used vehicles to check the vehicle risk points, common error zones, taking into account the general readability of the vehicle owner and the professional nature of the industry, and to provide you with safe and consistent access to vehicle insurance。
Ii. Information available on vehicle insurance to understand core policy fields
Sample map of the electronic insurance policy
Before learning how to check vehicle insurance, we need to be clear about what key information we can get after searching and avoid finding the policy without understanding it. Vehicle risk information is divided into two main sectors: risk exposure and commercial risk insurance。
The risk insurance company, the policy number, the effective date of insurance, the expiry date, the vehicle frame number vin, the engine number, the plate number, the name of the insured person and the limits of liability for the risk. Tip is interconnectable, and access and annual inspections require verification of tip effectiveness。
Business risk information includes insurance coverage (motor vehicle loss insurance, third-party liability insurance, liability insurance for personnel on board, additional insurance coverage such as medical liability insurance), insurance premiums, premium premiums, exemption agreements, special engagements, risk reporting records and settlement records。
In addition, some of the channels can be consulted: historical insurance records, prior-year underwriting companies, and number of settlements. It is important to note here that an individual can only search a vehicle in his or her own name, that a vehicle may not search at will without his or her own name, and that this involves the protection of the privacy of the owner, which is an important prerequisite for a vehicle。
Channel i: official sources of insurance companies (app, public sign, official network)
I. D. P. P. P. P. S
This is the most stable and well-informed way of searching, and if you remember which insurance company you are insured, you give priority to the official channel. Mainstream vehicle insurance companies support online self-help inquiries, such as psychic, pacific, china-china coalition, earth, sun, etc。
Operational steps:
Downloading of the official ap of the insurance company or attention to the official twitter public sign
(b) completion of the physical login and identification of the insured person
Find the entrance to my policy/car insurance policy
(b) the binding of vehicles, the entry of licence plate + shelf number, which allows for the display of high-risk, commercial insurance policies
Supporting online downloads and the preservation of electronic insurance policies with the same legal validity as paper-based policies。
Advantages: complete information that allows downloading of electronic policies, one-key renewal, reporting of claims and compensation; disadvantage is that this channel cannot be used if the insurer is not remembered。
Channel ii: transmitting transmitting transfer state on the transport platform (12123 platform)
Portal 12123 vehicle risk reference page diagram
Handover 12123 is the most commonly used official platform for owners, focusing on the effectiveness of risk-taking, which is also the most important information for annual inspections and road inspections, noting that a detailed commercial insurance policy is generally not available on the interface。
Detailed operational steps:
Opens the transfer tube 12123 app, logs in by name, and binds his motor vehicle
Access to motor vehicle pages and identification of registered vehicles
The details of the vehicles are shown on the page, which shows the duration of the exposure
Some parts of the synchronous electronic risk insurance certificate can be presented directly to the traffic police for verification。
Professional tips: there are synchronized delays in the transfer system data and there is a risk that it will take one to three working days to update the platform as a result of insurance coverage. If the insurance had just been purchased, app had not shown that there was no need to panic and could show the insurance company's electronic policy directly。
Channel three: a common vehicle risk search platform, and a way of searching related to silver bonds
Map: a map of the entrance to the board's information on insurance
If it is forgotten which insurance company is insured and the insurer is not known, it can be verified through the unified insurance industry channel。
The first is to call the insurance industry for a single customer service, 12378 (the silver insurance supervisor's complaints advice hotline), and verify the insurance information on vehicle insurance. The insured person's identity card number, licence plate, frame number and identity check are required to be available. 12378 is more used for counselling and advocacy than for hf self-help queries。
The second is the use of the relevant insurance inquiry procedures of the insurance industry associations, which are checked and checked for insurance policies。
Important rules: a search must verify the identity of the name, only the insurance policy of the insured person, as the insured person, and providing the licence plate of another person is impossible to access information on the policy, which is a requirement of the personal information protection act and privacy control in the insurance industry to prevent disclosure。
Channel 4: call the insurance company's customer service phone manual queries
Diagrams of telephone consultations for passenger service for vehicle safety
It is suitable for senior and middle-aged drivers who are not good at using apps and who are not easily operational online. All major vehicle insurance companies have exclusive passenger hotlines: 95518, 95511, and 95500 in the pacific。
Query process: call the customer service telephone, indicating the need for a “search vehicle insurance policy”, which will verify the policyholder's identification number, vehicle code, mobile phone number, and, upon approval of the check, verbally inform you of the time of termination of the insurance, the risk type, and may also require the service to send an electronic insurance policy to your mailbox or text message。
Advantages: simple operation, hand-held passenger service can also help you to resolve problems of renewal and settlement; the disadvantage is that the peak period waits longer and cannot be viewed at any time。
Channel 5: offline point queries, counter printing policy vouchers
Insurance company offline service site scene figure
Suits the case where a paper certificate is required and a copy of the policy is required. Carrying the insured person's identity card, driving pass and going to the counter-insurance company's off-line service point counter, the staff member can check the full vehicle insurance records and print copies of the policy and insurance certificates。
Applicable scenes: vehicle transfer, annual inspection on-line certificates cannot be verified, and paper copies are required for claims processing。
Tips: underline locations can only search for insurance policies under the firm's insurance policy, and if vehicles have been replaced by insurance companies in previous years, only the company's insurance records can be found at the counter and no direct access can be made to the cross-company historical records counter。
Eight, how do you check the original owner's vehicle insurance? Focus on professional presentations
Checklist for second-hand vehicles
The second-hand car deal is a vehicle risk search for high-frequency scenes, where many buyers have stepped on the pit. First, it is clear that the buyer does not have direct access to the vehicle insurance policy under the original owner's name and to the risk record. The policy belongs to the original insured person and is of a private nature。
Correct compliance practices:
Before the transaction, the owner of the original vehicle was required to cooperate by entering his insurance account and showing the policy and settlement record
Once the transfer is completed, the vehicle insurance is processed in a timely manner and the insurance is changed to the name of the new owner, after which you can search for it yourself
While risk records can be supported by third-party formal vehicle protection reports, third-party reporting data may be missing and cannot be a complete substitute for official insurance company records
In particular, it was cautioned that risk-taking continued to be carried out with vehicles, but that households continued to be effective, and that business risk recommendations were synchronized to avoid disputes over the settlement of accidents。
Many second-hand car traders promote “all exposures based on licence plates only”, many of which are informal channels with the risk of re-selling information and not recommending its use。
Ix. Following the identification of the vehicle risk, the focus is on the elements to be checked to avoid the risk of release
Checklist chart for the due date for vehicle insurance
The policy should not be turned off once it has been discovered, and several elements must be checked to avoid subsequent stepping。
First, to check the expiration of insurance coverage and to set up renewal reminders that insurance coverage cannot be terminated
Second, check whether the vehicle identification number vin and the licence plate are consistent with the licence to prevent errors in recording
(c) thirdly, check the type of risk and confirm whether the three-party insurance and the vehicle loss insurance that is required is covered properly
(d) fourth, the reconciliation of special agreements to the effect that the partial operation of vehicles and loan vehicle insurance would have special contractual provisions affecting the settlement of claims
Fifthly, it looks at claims processing records, multiple risk vehicles and the following year's premium will float。
At the same time, there is a risk of inconsistency between the expiration of risk insurance and the expiration of business insurance, with two coverages being separate and not necessarily with the same maturity date, and many drivers looking at only one, leading to one type of insurance being released。
X. Guidelines on common error zones and hole avoidance for vehicle safety queries
Comparison of vehicle safety queries
Zone one: a single license plate is available online for vehicle insurance policies, risk records。
Correct: formal channels are full of physical verification, no identity authorization is available, and the internet-named website “input a licence plate to check all insurance” is mostly an illegal collection of information and risks of disclosure and fraud。
The details of the commercial insurance policy are available at 12123。
Correct: the interface platform is only in a state of high risk effectiveness synchronized, commercial insurance is a commercial contract and does not upload the transfer system。
Mistake iii: the electronic policy is useless, and it must be paper-based。
Corrected: at the national level, the electronic vehicle insurance policy has the same legal force and is accepted by the traffic police and the annual inspection。
Wrong area four: vehicle transfer, insurance automatically follows。
Corrected: the risk is effective with the vehicle, but the insured person is the original owner; the commercial risk does not automatically change, and the insurance company must be contacted on its own initiative to make the policy changes, otherwise the settlement of the claim can easily be paid to the original owner。
Miss five: once the insurance is purchased, it can be found on all platforms。
Correct: there is a data synchronisation window period after insurance, usually one to three working days, before the platforms are shown after the synchronization is completed。
Xi. Summary of the full text
Map: summary of vehicle risk survey methodology figure
In general, it is important to know how to check vehicle insurance and to prioritize your search objectives: whether it is effective or whether it is a full commercial insurance policy and download electronic vouchers。
Daily self-checking priority: insurance company official ap/public no. > handover 12123 > insurance company customer service phone > offline point. 12123 is suitable for rapid verification of high risk exposure and does not allow access to details of commercial risk; the official channel of insurance companies is the most complete and authoritative source of information, allowing access to all types of risk, downloading electronic policies, and processing maintenance claims。
Second-hand vehicle search insurance must be authorized by the original owner, not trusting in third-party search tools without qualified licence plates and protecting personal documents and vehicle privacy. After searching the policy, emphasis is placed on checking due dates, vehicle information, insurance, settlement records, early renewal of the policy, elimination of risk exposure, avoidance of fines for carjacking and uncompensable losses arising from accidents。
The institute regulates the search for vehicle insurance and regularly checks vehicle insurance status, which is mandatory for each owner's basic vehicle, both to guarantee legal access and to smooth the settlement process and reduce economic losses in the event of a traffic accident。
