Is it okay to buy only compulsory insurance for a family car now?

Is it okay to buy only compulsory insurance for a family car now?

traffic insurance

I've heard that there are a lot of people like me who only buy compulsory insurance every year?

可直接在保险公司单独购买交强险，只要向保险公司说明购买交强险就行。或者是在网上买车险的时候，只勾选交强险就行。

根据《机动车交通事故责任强制保险条例》第十条规定：“投保人在投保时应当选择具备从事机动车交通事故责任强制保险业务资格的保险公司，被选择的保险公司不得拒绝或者拖延承保。”若单独购买交强险被保险公司拒绝，可以致电银保监会电话进行投诉。

Expanded Information:

交强险的全称是“机动车交通事故责任强制保险”，是由保险公司对被保险机动车发生道路交通事故造成受害人(不包括本车人员和被保险人)的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。

Compulsory insurance is the first compulsory insurance system in China, which is stipulated by national law. Its premium is a national standardized charge, unified by the state, but the price of compulsory insurance is different for different car models, and the main factor is the number of seats in the car.

赔偿范围：

相对于商业三者险20多条免责条款，交强险的免责为“受害人故意行为造成损失”、“被保险人自身财产损失”、“相关仲裁及诉讼费用”和事故造成的某些间接损失，保障范围要大许多。而且，无论事故中被保险车辆有没有责任，交强险在责任限额范围内都予以赔偿，并且没有免赔额和免赔率。

赔偿程序：

交强险申请理赔如涉及第三者伤亡或财产损失的道路交通事故，被保险人应先联系120急救电话(如有人身伤亡)，拨打122交警电话，并拨打保险公司的客户服务电话报案，配合保险公司查勘现场，可以根据情况要求保险公司支付或垫付抢救费。

保险公司应自收到赔偿申请之日起1天内，书面告知需要提供的与赔偿有关的证明和资料;自收到证明和资料之日起5日内，对是否属于保险责任作出核定，并将结果通知被保险人。对不属于保险责任的，应当书面说明理由。对属于保险责任的，在与被保险人达成赔偿保险金的协议后10日内，赔付保险金。

免责不赔范围：

According to the relevant laws of China, the insurance company will not be liable for compensation in the following cases within the limit of liability of compulsory traffic insurance:

1, the victim's intentional behavior caused by traffic accidents personal injury, property damage, such as: suicide, self-inflicted injuries, bumper stickers and so on.

2. Personnel of the insured vehicle and the insured as specified in paragraph 3 of the Regulations on Compulsory Insurance for Traffic Accident Liability; and

3. Arbitration or litigation fees and other costs related to the traffic accident.

4. Indirect losses, e.g., diminution in value of vehicles due to collision.