Can You Drive with an Expired Car Insurance?
2 Answers
According to traffic regulations, driving with expired insurance is not allowed. If caught by traffic police, the vehicle will be impounded, and in case of an accident, the insurance will not provide coverage. Additional Information: Explanation on Car Insurance: 1. Compulsory Traffic Insurance (CTI) can be delayed for payment within 3 months, and the original insurance company can still accept renewal. However, vehicles without CTI are not permitted on the road. 2. If car insurance is not renewed upon expiration, the vehicle will be in an uninsured state, lacking protection. Moreover, CTI is a mandatory insurance required by the state, and failure to comply may result in penalties. Additionally, renewing insurance after a lapse requires a new vehicle inspection, adding to the insurance procedures. 3. Article 19 of the "Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles" stipulates that upon expiration of the compulsory traffic accident liability insurance contract, the policyholder must promptly renew the insurance and provide the previous year's insurance policy.
To be honest, as someone who frequently studies traffic regulations, driving with an expired insurance policy is absolutely unacceptable. In most countries, the law explicitly mandates that car insurance is a compulsory requirement, and driving without it is considered uninsured driving. If caught by the police, fines can reach thousands of dollars, and you may even face license points deduction or vehicle impoundment. More importantly, if you cause an accident or injure someone, you'll be personally liable for all damages, and the other party may sue you, leading to endless legal troubles. Protecting yourself and public safety is a fundamental responsibility—never gamble with insurance. Check your policy date a few weeks in advance and set a phone reminder to renew it on time. I remember my neighbor once caused an accident just one day after their insurance lapsed and ended up paying tens of thousands in compensation—a harsh lesson. Always ensure your insurance is valid before hitting the road. Safety first, peace of mind guaranteed.
