Is Insurance Effective for a New Car Without License Plates?
3 Answers
Insurance is effective for a new car without license plates because there is no direct relationship between license plates and insurance validity. A new car can still be insured even without license plates, and only after purchasing compulsory traffic insurance can the car be registered. The documents required for registering a new car include: ID card, vehicle parameter sheet, vehicle purchase tax receipt, car insurance policy, vehicle certification, and the second and fourth copies of the car invoice. License plates, commonly referred to as vehicle tags, are plates attached to the front and rear of a vehicle, typically made of aluminum, sheet metal, plastic, or paper, engraved with the vehicle's registration number, registration region, or other relevant information.
When I first bought my new car, I purchased insurance before getting the license plate. The coverage starts on the date specified in the policy, which has nothing to do with the license plate. After picking up the car, I drove to the DMV to register it using a temporary plate, and the insurance was always in effect. If the car gets into an accident, like a scratch or theft, while unregistered, the insurance company will still cover it, but you must ensure you have legal driving documents. Otherwise, driving without a license plate could result in fines or vehicle impoundment by traffic police. Don’t be careless during the new car protection period. It’s advisable for owners to arrange insurance and a temporary plate simultaneously when purchasing the car and keep all receipts for easy claims. Both compulsory traffic insurance and commercial insurance cover risks from the effective date. It’s better to consult the salesperson in advance to confirm details—safety first, after all.
Buying a new car is exciting, but don't overlook insurance. The insurance takes effect even if the vehicle isn't licensed yet—the coverage period starts as soon as the policy is signed. Once, I accompanied a friend to pick up his new car. Although it didn't have a license plate, the insurance was already active, and he legally drove it to get registered using a temporary plate. However, unlicensed vehicles in public areas aren't fully covered by insurance, and accidents may affect claim amounts. From a risk perspective, driving without proper documentation increases the chance of accidents, leading to fines, financial loss, and vehicle damage. In short, while insurance is valid, the car must comply with regulations. Getting all documents sorted in the first few days after buying a new car is crucial—don’t procrastinate like my friend. Checking specific requirements with your insurer will give you peace of mind.
