交強(qiang)險過期后果嚴重。

首先車(che)輛無(wu)法進行年(nian)檢(jian)因(yin)為年(nian)檢(jian)需提供(gong)在有(you)效期內的(de)交強險副本。

其次開車上路被交(jiao)管部門(men)查處(chu)會處(chu)以交(jiao)強險保費兩倍罰款并暫時扣(kou)車。

如果在過(guo)期(qi)期(qi)間發生(sheng)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)事故保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)不予理(li)賠車主需自己(ji)承(cheng)擔所有經濟賠償責(ze)任。對(dui)方損(sun)失在交強(qiang)(qiang)險(xian)(xian)(xian)(xian)(xian)(xian)賠償范圍(wei)內的因交強(qiang)(qiang)險(xian)(xian)(xian)(xian)(xian)(xian)過(guo)期(qi)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)不賠付(fu)超過(guo)賠償范圍(wei)的扣除交強(qiang)(qiang)險(xian)(xian)(xian)(xian)(xian)(xian)賠償金額(e)后由(you)(you)商(shang)業險(xian)(xian)(xian)(xian)(xian)(xian)相關險(xian)(xian)(xian)(xian)(xian)(xian)種賠付(fu)己(ji)方損(sun)失先由(you)(you)對(dui)方交強(qiang)(qiang)險(xian)(xian)(xian)(xian)(xian)(xian)無責(ze)賠付(fu)超出部分由(you)(you)自己(ji)的商(shang)業險(xian)(xian)(xian)(xian)(xian)(xian)相關險(xian)(xian)(xian)(xian)(xian)(xian)種賠付(fu)。

交(jiao)強險(xian)(xian)過(guo)期后應攜(xie)帶身份證、駕駛(shi)證、行駛(shi)證、上一年度的保險(xian)(xian)單到保險(xian)(xian)公司(si)續買(mai)保險(xian)(xian)。

未(wei)按照(zhao)規(gui)定投保交強(qiang)險的公安機關交通(tong)管理部門有(you)權扣留機動(dong)車并處(chu)依照(zhao)投保最低(di)責任限額應繳納(na)的保險費的 2 倍罰(fa)款。

新車剛買時可在 4S 店購買交(jiao)強險(xian)過(guo)了第一(yi)年可按自身要(yao)求選擇合適的保(bao)險(xian)公司(si)。

如今(jin)大部(bu)分城市交(jiao)強險標(biao)志已數字化交(jiao)警查車(che)時會通過車(che)牌號查看保險是否在有效(xiao)期內。

建議(yi)交強險(xian)、商業保(bao)險(xian)、年審在同一時間(jian)段內有效方便記憶。

總之交強(qiang)險必須(xu)購買且(qie)要保(bao)證在有效期內以免影響車輛年檢(jian)和(he)全保(bao)造成不(bu)必要的損(sun)失。