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What to Do If an Accident Occurs When Car Insurance Has Expired?

2 Answers

Irene

09/03/25 7:49am

In the event of a traffic accident, it is essential to report to the police promptly. The traffic police department will determine the liability for the accident before further actions can be taken. Even if you are not at fault in an accident, you may still be assigned secondary liability. Additionally, driving without compulsory traffic insurance will result in the traffic police deducting points, impounding the vehicle, and imposing fines.

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BethanyLee

09/16/25 2:24am

I've been driving for several years and have encountered situations where my insurance expired. If an accident occurs, the first thing is to stay calm, ensure no one is injured, and promptly call an ambulance and the police. The police will handle the accident investigation, and I need to cooperate. Then, gather evidence such as taking photos and noting witness information. An expired insurance means bearing all the responsibility yourself, having to pay for the other party's car repairs, medical expenses, and possible fines. Afterward, it's advisable to renew the insurance as soon as possible, set reminders on your phone, or use an app for automatic updates. To avoid such troubles, I regularly check my insurance policy dates, communicate well with the other party after an accident, and discuss compensation plans. Don't neglect insurance to save a little money; safe driving is the top priority.

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