Is a new car valid without insurance?
3 Answers
A new car is valid without insurance. Below is an introduction to the types of insurance for new cars: Compulsory Traffic Accident Liability Insurance: Compulsory Traffic Accident Liability Insurance is mandatory, and all vehicles must purchase this type of insurance. In the event of a traffic accident, the insurance company can only compensate the party that was hit, meaning the conditions for compensation are limited. Third-party Commercial Liability Insurance: Most car owners choose to purchase both Compulsory Traffic Accident Liability Insurance and Third-party Liability Insurance. Since the compensation amount of the Compulsory Traffic Accident Liability Insurance is limited, purchasing Third-party Liability Insurance can cover the portion that exceeds the compensation limit of the Compulsory Traffic Accident Liability Insurance. Vehicle Damage Insurance: Vehicle Damage Insurance is the most comprehensive type of necessary insurance. Regardless of whether the car suffers from collisions, scratches, water damage, or other damages, it can receive compensation from the insurance company.
Driving a brand-new car without insurance is absolutely invalid and illegal. As someone who's been driving for nearly 20 years, I've seen friends get into trouble over this. One rushed to drive his new car without insurance and got pulled over by traffic police—resulting in fines and vehicle impoundment. What a waste! The risks are huge: if an accident happens without coverage, you'll pay thousands in repairs out of pocket. Dealers always remind buyers that compulsory traffic insurance (CTI) must be purchased before license plate registration—it's mandatory by law. Don't cut corners; get it done early at an insurer. A few hundred yuan for annual coverage brings peace of mind. If urgently needed, ask the dealership about temporary insurance options to avoid hassles. Remember: safety first—never skip this step.
I was worried about this when I bought my new car last year. Without insurance, the car simply can't be driven legally. Compulsory traffic insurance is mandatory—it's a national requirement before hitting the road. If you drive without it and get caught, penalties range from fines and points deducted to license suspension, and it even affects future maintenance. The salesperson advised me to bring my ID and purchase documents to an insurance company on the day of pickup—it only takes minutes. Commercial insurance is optional, but compulsory insurance is a must. In case of an accident, being uninsured means bearing full liability for damages, which is unbearable for most people. Spending a little for peace of mind is the smart choice. Once, I rushed out without it and was terrified—luckily, nothing happened.
