Can a Vehicle Be Transferred If the Insurance Has Expired?

[McCamille]

If a party's motor vehicle insurance has expired, the transfer of ownership cannot be processed. The party must first complete the insurance application procedures and resolve any traffic violations or accidents involving the vehicle before applying for the transfer of ownership. "Regulations on the Registration of Motor Vehicles": Article 18: When the ownership of a registered motor vehicle is transferred, the new owner must apply for the transfer of registration at the local vehicle management office within 30 days of the vehicle's delivery. Before applying for the transfer, the owner must resolve all traffic violations and accidents related to the vehicle. "Road Traffic Safety Law": Article 98: If the owner or manager of a motor vehicle fails to purchase compulsory third-party liability insurance as required by the state, the traffic management department of the public security authority shall detain the vehicle until the insurance is purchased and impose a fine equal to twice the minimum liability insurance premium that should have been paid. All fines collected under the preceding paragraph shall be allocated to the social assistance fund for road traffic accidents. Specific measures shall be stipulated by the state. Important Notes for Vehicle Transfer: Required documents and materials: Original owner's ID card, new owner's ID card, vehicle registration certificate, purchase tax certificate; proof of payment for vehicle and vessel usage tax, motor vehicle registration certificate, motor vehicle inspection report, insurance policy. If purchased by a company, a copy of the organization code certificate is also required. If the insurance has not expired and the vehicle insurance needs to be transferred, both the original and new owners must bring their ID cards, the new owner's driving license, and a bank card to the insurance company to purchase vehicle insurance. When transferring ownership, there is no need to overcomplicate the issue of vehicle insurance, as it is quite flexible. The key is to pay attention to the procedures and matters related to the transfer process. The purchase tax must be checked against the original tax receipt. Some vehicles may not have paid the purchase tax, and after the transfer, these vehicles may be required to pay the outstanding tax. The vehicle certificate must be legitimate. Pay special attention to the embossed number, engine number, and registration date on the certificate. Besides verification, check for any signs of alteration, as tampering is often a red flag for fraudulent transactions. As for road maintenance fees (note: these fees have been abolished), there is little room for loopholes. Simply check the payment receipt, which clearly records the validity period of the fees, to avoid disputes. Insurance transfer should be completed promptly during the vehicle transfer process to avoid unnecessary complications during claims. Mortgaged or supervised vehicles are prohibited from being traded. Vehicle information can be checked at the vehicle management office. The most important aspect of private vehicle transfer is completing the transfer procedures. Given the potential for lengthy processing times and complex procedures, it is advisable to prepare all required documents before visiting the vehicle transfer office. When purchasing a used vehicle, review relevant policies and regulations, as some vehicles are not allowed to be sold or transferred. After completing the transfer, ensure that corresponding changes are made with the relevant tax authorities.