How to Conduct Annual Inspection and Purchase Insurance for a Vehicle Without Transferring Ownership?
2 Answers
During the annual vehicle inspection, the ID card of the vehicle owner is required. If the owner cannot be present in person, a letter of authorization is necessary. When purchasing insurance for the vehicle, the ID card of the vehicle owner is needed. The owner does not have to be present to buy the insurance, but their presence is required when filing a claim after an incident.
I once encountered a similar situation when I bought a used car but didn't transfer the ownership in time. The annual inspection was quite troublesome—I had to find the original owner to go to the DMV together, bringing his ID card and vehicle license, otherwise the counter wouldn't process it for me. The process itself wasn't difficult, just involved long queues and required a photocopied power of attorney with his signature authorizing me to handle it. As for insurance, I directly purchased compulsory traffic insurance and third-party liability insurance on a mobile app, binding the license plate number under my name. In case of an accident, I'd have to explain that I'm the actual user during claims, which could lead to disputes, but there haven't been major issues so far. Overall, this approach carries significant risks. I recommend not delaying the ownership transfer—otherwise, you'll waste time running around for inspections and insurance, and it might even affect safety.
