What to Do If Car Insurance Has Expired for 15 Days?
2 Answers
If your car insurance has expired for 15 days, there will be no impact. You can simply bring your vehicle license and ID card to the relevant department to reapply. However, if you purchase insurance coverage including car damage insurance, theft insurance, glass insurance, spontaneous combustion insurance, water damage insurance, or scratch insurance after the insurance has lapsed, in addition to bringing your vehicle license and ID card, you will also need to take photos of your vehicle for inspection. Below is an introduction to each type of insurance and its coverage: 1. Theft Insurance: Covers damage to the car during robbery or theft, including damage or loss of parts and accessories after the entire vehicle is stolen, robbed, or snatched. 2. Passenger Liability Insurance: Provides coverage for passengers in the vehicle, excluding the driver. 3. Water Damage Insurance: Covers losses caused by engine damage due to immersion in water. 4. Spontaneous Combustion Insurance: Covers losses caused by fire due to the vehicle's electrical system, wiring, fuel supply system, or gas supply system without any external fire source. 5. Glass Breakage Insurance: Covers the breakage of glass alone. 6. Scratch Insurance: Covers losses caused by intentional scratching of the vehicle.
What if car insurance expires for 15 days? I recently experienced this too – rushing to work made me forget to renew, and I only remembered two weeks later. Immediately called the insurance company, luckily could still renew without buying full coverage again. But be careful, if caught driving without insurance by police, the fine is huge, and they might impound the car or deduct points. I quickly renewed, paid a small fee for the overdue premium, and avoided trouble. Now I set a phone calendar reminder to renew one week early. Also, check insurance status before driving to ensure it's valid. If an accident happens without coverage, you’ll have to pay out of pocket for others' damages – that’s a huge loss. Safety first, don’t delay!
