
Here are the impacts of a lapsed car insurance: 1. Increased premiums: If the vehicle's insurance lapses and is not renewed promptly, the cost of reinstating the insurance will be higher. 2. No claims: No claims can be made if an accident occurs during the lapse period, and all accident losses will be borne by the vehicle owner. 3. Penalties: Driving a vehicle without valid insurance may result in penalties and impoundment by traffic police. Below is additional information related to purchasing insurance: 1. Purchase methods: Car insurance can be reasonably purchased according to the owner's needs, either at a 4S shop or elsewhere. 2. Financing a car: Generally, when financing a car, insurance must be purchased at the dealership, and a certain renewal deposit may be charged. 3. Compulsory insurance: This is mandatory insurance in China, which all vehicles must purchase. 4. Coverage: If the vehicle involved in an accident has third-party liability compulsory insurance, the insurance company will cover the rescue costs within the liability limits.

As a novice driver with only two years of license experience, I think minor scratches and dings are quite common, especially in the early stages. I remember during my first attempt at reverse parking, the rear wheel rubbed against the edge of a flower bed, nearly scraping the paint. New drivers often struggle with spatial awareness and distance judgment, leading to frequent small mistakes, such as in narrow alleys or crowded parking lots. Statistics show that the probability of scratches in the first month of driving can exceed 50%, which is perfectly normal. I recommend practicing parking simulations in open spaces, using rearview and side mirrors to check blind spots, and gradually building confidence. Controlling speed and staying focused are also crucial—don’t jerk the steering wheel out of panic. Over time, skills will stabilize, but patience is key; don’t expect instant mastery.

As a veteran driver with over fifteen years of experience, I don't believe minor scrapes are inevitable—it all depends on experience and habits. Early on, I had a few small scrapes, mainly when reversing and not noticing low posts behind me. Over time, I've almost eliminated them. The reason is simple: practice makes perfect. I've learned to estimate the vehicle's dimensions and environmental risks, like slowing down early at complex intersections. The key is developing safety awareness: checking blind spots more often, using rearview cameras for assistance, and regularly checking tire pressure to prevent loss of control. In city driving, I opt for spacious parking spots to avoid tight squeezes. Old wisdom tells us that slow is fast—there's no need to rush. Cultivating a good driving rhythm can significantly reduce accidents, but unexpected situations still arise, like needing extra caution in bad weather.

Driving in the city, especially in high-rise areas like Shenzhen where I live, minor collisions seem to be a common occurrence. Tight parking spaces and dense traffic mean that a momentary lapse of attention while reversing can easily result in scraping against adjacent vehicles—my own taillights have been repaired twice due to such incidents. These environments are prone to errors, affecting both novices and experienced drivers alike, given the crowded roads and heavy pedestrian traffic. Statistically, urban driving has a 30% higher collision rate compared to rural areas, primarily due to frequent stops and narrow turns. The solution is straightforward: install a reversing radar, opt for spacious open-air parking spots, or avoid commercial districts during peak hours. Practicing spatial awareness for side distances and controlling throttle to avoid speeding naturally reduce mishaps. Driving is an adaptation process—don’t be too hard on yourself, but safety must always come first.


