What are the impacts of a car being out of insurance for a few days?
3 Answers
There is no significant impact if a car is out of insurance for a few days, but it needs to be addressed within three months. Below is relevant information about car insurance: 1. Introduction: It refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Main Participants: The policyholders are primarily legal entities and individuals who own various types of motor vehicles. 3. Coverage: The insured objects mainly include various types of cars, but also extend to specialized vehicles like electric cars, battery-powered vehicles, and motorcycles.
I experienced the issue of my car insurance lapsing for a few days last time. It was only four days, but it really scared me. During those days when I drove to and from work, I was on edge, constantly worried about being stopped by traffic police, which would mean not only points deducted but also fines. The scariest part was that if an accident happened on the road, the insurance company wouldn't cover anything, and I'd have to pay all the repair costs out of pocket. A friend of mine ended up paying tens of thousands because of this. Luckily, I had no accidents, but when I renewed the insurance later, that company actually charged me extra, saying the risk was higher during the lapse period. I sincerely advise everyone not to take this lightly. If you find your insurance has lapsed, don't drive—renew it online immediately, and it's best to set a reminder to avoid forgetting again. Safety comes first—saving money for those few days just isn't worth it. The accident rate spikes during the lapse period, and it also makes your family worry.
As a young person, I was careless and let my car insurance lapse for five days when I bought my first car. I was really panicked during those days. I drove out to meet friends and encountered a sudden brake on the road. Luckily, I didn’t hit anything, but if an accident had happened, the insurance wouldn’t have covered it, and I couldn’t afford the repairs. The traffic police told me that if they check and find a car without insurance, they’ll directly fine you over 200 RMB, and you might even get points deducted, which could affect your driving record in the future. Also, if you delay renewing your insurance for too long, the premium will increase. My premium was only 3,000 RMB before, but after the lapse, I had to pay an extra 200 RMB to renew. Now I’ve learned my lesson—I check my policy two weeks in advance and renew it using a mobile app, which also saves me some discounts. Honestly, young people tend to be careless, but this is something you have to be cautious about. Driving less or not at all during the lapse period is the right way to go. Once the accident rate goes up, no one’s wallet can handle it.
