You are talking about the binding of compulsory insurance and commercial insurance. Do you mean the customer service staff of the insurance company? Or a salesperson of an intermediary company? Compulsory traffic insurance is compulsory vehicle insurance required by the state, while vehicle commercial insurance is purchased by the owner according to his own situation, not compulsory. But if you are a new car, it may be a sales way for the car sales company to target the new car owners (in order to earn the insurance sales commission paid by the insurance company to the car dealers). In addition, if it is an installment car, when the ownership of the car is not 100% in your name, you must insure it according to the requirements of the bank. Because you didn't understand your question, I can only try to answer it now. Your question is divided into the following situations: First, your car is paid by installment and the loan has not been paid off. There is no way. You can only buy the insurance agreed with the bank at the beginning, because the bank still has rights and interests in your car. 2. Your car is a new one, and the car is paid in full. Car dealers may ask you to buy what they call a one-stop service product. I think you can buy according to their requirements and then accept their services. After the service provided by car dealers is completed (according to the efficiency of dealers and offices and units, it will take about a week), you can take your commercial insurance policy to the insurance company to surrender (commercial auto insurance), because commercial insurance is free of charge, and the insurance company will not refuse you, so that you will not let those unscrupulous car dealers earn your commercial insurance. Third, your test has been used for many years. If the customer service staff tells you that you must buy commercial auto insurance before you can buy compulsory insurance, then I tell you that what they are doing is illegal. What they do is to sell more commercial insurance. You can complain about him to their company. I think there should be no problem, because this is a serious injury, and only people who don't know insurance won't ask you to argue again. And in other words, it doesn't matter if he lets you buy commercial insurance. Isn't it just compulsory insurance? Of all the insurance companies, why did you choose their home? You won't change to another insurance company!