Is Insurance Valid for a Car Without License Plates?
2 Answers
Insurance is not valid for a car without license plates. If the vehicle is involved in an accident without displaying license plates, the insurance company will not be responsible for compensation. It is necessary to obtain temporary license plates in advance. In the event of an insurance claim, the insurance company will be responsible for compensation. Temporary license plates do not support theft insurance. Theft insurance is not valid. Additional information about car insurance is as follows: Specific situations of accidents involving new cars without license plates: For accidents involving new cars without license plates, insurance companies usually consider that motor vehicles should obtain license plates in accordance with legal requirements before being driven on the road. If the insured vehicle is involved in an accident without displaying license plates, the insurance company will not be responsible for compensation. To avoid claim rejection, temporary license plates should be obtained in advance before purchasing insurance. In the event of an insurance claim, the insurance company will be responsible for compensation. Before obtaining license plates for a new car, it is essential to protect the car to prevent theft or collision. "Theft insurance" is the full name of "motor vehicle theft insurance," and its insurance liability covers the loss of the entire vehicle due to theft, robbery, or hijacking, as well as reasonable repair costs for damages or missing parts and accessories during the theft, robbery, or hijacking period. In car insurance, only "theft insurance" requires the car to have official license plates for claims, while other types of insurance do not have this requirement for official license plates when processing claims. If a car with "temporary license plates" is lost during the usage period, even if "theft insurance" has been purchased, the insurance company will not compensate. Functions of car insurance: Organizing economic compensation and realizing the payment of insurance benefits are the basic functions of insurance, and they are also the basic functions of motor vehicle insurance. The probability of motor vehicles suffering from natural disaster risks and accidental accidents during use is relatively high, especially in third-party liability accidents, where the loss compensation is difficult to achieve through self-compensation.
I've been driving for over a decade and many friends have asked about this. To be honest, the insurance takes effect the moment you pay for it, regardless of the license plate. However, if you drive an unlicensed vehicle on the road, the police will definitely impound it, and insurance companies aren't stupid either. Even if the insurance is active, driving without a license is a serious violation. If you hit someone, the insurance company can use this as a reason to pay less or not at all. My cousin learned this the hard way last year when he scraped someone else's car on the same day his new car's insurance took effect. The insurance company said claims for unlicensed vehicles are particularly troublesome and only paid 70% in the end. I sincerely advise everyone to get temporary plates before hitting the road after picking up a new car—don't skimp on that effort.
