Does Insurance Cover New Cars with Temporary License Plates?
2 Answers
New cars with temporary license plates are covered by insurance. Temporary plates do not affect claims; if you have purchased insurance when buying the car, the insurance company will cover any accidents. However, to mitigate risks, policies typically include a special clause: coverage for theft and robbery starts only after obtaining the official license plates and completing the endorsement process with the company. Compulsory Traffic Accident Liability Insurance: This is mandatory insurance required by law. Failure to purchase it may result in fines if caught by traffic police. This insurance offers limited coverage, mainly for third parties, and does not cover the policyholder's own vehicle. Third-Party Liability Insurance: This covers compensation for third-party bodily injuries or fatalities caused by the policyholder. It is essential for both the policyholder's and others' protection. Vehicle Damage Insurance: This covers damages to the policyholder's vehicle caused by natural disasters or accidents. It is recommended for new drivers. No-Deductible Insurance: An add-on that transfers the policyholder's liability to the insurance company, reducing personal losses. It is advisable to purchase this if you have both Vehicle Damage Insurance and Third-Party Liability Insurance.
As someone who recently bought a new car and went through the temporary license plate phase, I wanted to know about insurance claims. During the temporary license plate period for a new car, insurance does cover you, as long as you purchased compulsory traffic insurance and commercial insurance when buying the car. These policies cover the vehicle from the effective date, regardless of whether it has a formal license plate or not. I remember when I picked up the car at the dealership, the salesperson reminded me to confirm if the insurance policy was activated. In case of an accident, the insurance company will compensate for repair costs or medical expenses according to the policy, but it's best to take photos for evidence first and then call the insurance company to report the incident. Also, don’t assume that driving with a temporary plate means you can drive recklessly—speeding or drunk driving may result in denied claims, which was a lesson I learned. I recommend new car owners develop the habit of checking their insurance policies, including the exclusions, to avoid unexpected disputes. Additionally, regularly take your car to a professional repair shop for inspections to ensure everything is in order, making your driving experience more secure.
