Is the original insurance still valid after changing the vehicle license plate?
2 Answers
If the license plate is changed without updating the insurance accordingly, the insurance becomes invalid. When changing the license plate, it is essential to promptly contact the insurance company to update the insurance details. Below are two scenarios for changing the license plate: 1. Both the license plate and vehicle owner are changed: If both the license plate and the vehicle owner are changed, it is necessary to bring all the documents related to the sale and transfer, including the vehicle registration certificate, transfer invoice, original insurance policy, and it is preferable for both the original owner and the new owner to be present with the insured vehicle to complete the insurance transfer procedures at the insurance company. 2. Only the license plate is changed, the owner remains the same: If only the vehicle license plate is changed, you only need to contact the previous insurance agent after obtaining the new vehicle registration certificate, who is obligated to handle the relevant change procedures. Below is an introduction to car insurance: Car insurance is a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Its primary clients are legal entities or individuals who own various types of motor vehicles.
After I bought the car and changed the license plate, I was worried whether the original insurance was still valid. Later, I specifically asked the insurance company, and it was basically valid because the insurance is bound to the car's unique identifier, the VIN code. The license plate changed, but the VIN remained the same. However, it is essential to promptly contact the insurance company to update the information, such as submitting the new license plate number via phone or online. If you don’t update it, in case the police check or during an accident claim, the documents won’t match, and the insurance company might refuse to cover the loss, which could be significant. Last time I changed plates, I didn’t report it in time and delayed for several days, almost failing the annual inspection. So now, I handle it immediately after changing plates—it’s a simple operation and saves hassle. Ensuring driving safety is crucial; don’t lose big for small gains.
