The effective date of commercial auto insurance usually starts at midnight on the effective date selected by the owner when filling in the insurance information. If the owner does not specify the effective time, then by default, the insurance will start at 0:00 the next day after the insurance is purchased.
It is important to note that for compulsory liability insurance, it usually takes effect immediately, which means that it will take effect immediately after the insurance is purchased. However, in some cases, such as the explicit indication or affixing of the words "immediately effective" in the "Special Covenant" column of the policy, the policy can be made effective immediately from the time the policy is issued. However, this is not mandatory, but is decided according to the policy of the insurance company and the choice of the car owner.
If your car insurance is about to expire, it is recommended that you renew it some time in advance to ensure that the coverage is effective before the expiration date. Otherwise, if you drive during the period of non-renewal and are found by the traffic management department to have expired, you may face fines or other legal consequences.
In conclusion, it is important to understand when and when your car insurance will be in effect to ensure that you are fully covered when you need it.
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