Is there any impact if the car is transferred but the insurance is not?

[VanMaya]

It is best to transfer the compulsory traffic insurance in a timely manner. Below are the relevant details: Transfer materials: The general documents required for transfer include the vehicle registration book, new vehicle license, copies of the ID cards of both the new and old owners, the used car transaction invoice, and the insurance modification application (this is a form provided by the insurance company). Modification fees: The insurance company does not charge a modification fee. If there is a change in the premium, there will be a refund or additional payment accordingly. Changes in insurance costs: Changes in insurance costs mainly occur when there is a switch between a corporate owner and an individual owner, or when the usage nature of the vehicle changes.

[JoshuaAnn]

Transferring the car but not the insurance can lead to serious issues! First, in case of an accident, the claim might be denied because the policy is still under the original owner's name. Once the insurance company checks the change in vehicle ownership, they may say it doesn't meet the contract requirements, leaving the new owner to pay for repairs out of pocket. The original owner also faces trouble, as accident reports might implicate them, leading to additional liabilities. Secondly, the DMV requires the insurance to be transferred along with the car to complete the formalities; failing to do so can result in fines of several hundred dollars. It can also be a waste of money, as the original owner keeps paying premiums but can't benefit from the coverage. A friend of mine experienced this—they forgot to transfer the insurance after the car was sold, and when a collision occurred, the claim was denied, dragging on for two months before resolution. For safety and peace of mind, contact the insurance company to update the information or buy a new policy on the day of transfer—it saves both hassle and money.

[EllianaDella]

Failing to transfer insurance during a car ownership transfer can lead to numerous troubles. The most common impact is on accident handling: if the new owner gets into a minor scrape while driving and files a claim with the insurance company, the claim may be denied due to mismatched vehicle information, forcing them to pay for repairs out of pocket. The original owner might also be held liable. There are significant legal risks as well—traffic regulations require insurance to be bound to the vehicle, and failing to transfer it could result in fines ranging from tens to hundreds of dollars, along with penalty points. From an experiential standpoint, not updating the insurance after the transfer can quickly dampen the joy of buying a car with real-world hassles. My advice is to prioritize insurance updates with every ownership transfer—it’s a simple process. The new owner just needs to take the transfer certificate to the insurance company to either transfer the policy or purchase a new one, which takes about 10 minutes and saves a lot of headaches down the road.

[VanAniyah]

Transferring car ownership but not the insurance? Absolutely has consequences! Claims become problematic: If the new owner has an accident and the policy name isn't updated, the insurer will outright deny the claim, leaving repair costs entirely on the new owner—or worse, the original owner might get unfairly blamed. Financially unwise: The original owner keeps paying premiums for no coverage, and transfer fees may increase due to missing insurance documentation. Safety-wise, nighttime accidents leave you unprotected, and delayed handling increases risks. Address it promptly to avoid these: Contact your insurer immediately after transfer to update the policy name or get a new one—saving time, hassle, and ensuring safety.