Can I claim insurance if an accident occurs without annual vehicle inspection?
1 Answers
If a vehicle is involved in an accident without passing the annual inspection, the insurance company is required to compensate under compulsory traffic insurance. However, commercial insurance (including vehicle damage insurance, third-party liability insurance, passenger liability insurance, and their additional coverages) will not provide compensation. According to the 'Motor Vehicle Third-Party Liability Insurance Clause,' the insurer is not liable for compensation if the insured vehicle is involved in an accident without undergoing the required annual inspection or fails the inspection, or if the vehicle lacks valid driving documents. Annual inspection is a legal requirement, meaning it is mandatory, and every vehicle on the road must undergo inspection. To facilitate vehicle owners, the government has introduced a six-year exemption policy for new vehicles that meet the inspection requirements, allowing them to be exempt from annual inspection for six years. Regulations on annual inspection timing: The first annual inspection for a passenger car is required after six years. Non-operational small and micro passenger vehicles, including family cars older than six years but less than ten years, must undergo inspection every two years. For a vehicle that has just reached six years, the owner must drive the vehicle to the inspection station with their ID card, vehicle license, tax or tax-exemption certificate, and compulsory traffic insurance policy. After passing the inspection, a certification form will be issued. Finally, this form and the submitted documents must be presented at the relevant counter to obtain the annual inspection sticker.
