Will Insurance Still Cover If the Annual Inspection Has Expired?
2 Answers
If the vehicle's annual inspection has expired but the insurance is still valid, the insurance company will process the claim according to the terms of the insurance contract in the event of a traffic accident. The following losses and expenses are not covered by compulsory traffic insurance: 1. Losses caused intentionally by the victim in a traffic accident; 2. Losses to the property owned by the insured or the property on the insured vehicle; 3. Losses caused by the insured vehicle in a traffic accident, such as business interruption, vehicle stoppage, power outage, water outage, gas outage, production halt, communication or network interruption, data loss, voltage fluctuations, etc., as well as other indirect losses like depreciation of the victim's property due to market price changes or reduced value after repairs; 4. Arbitration or litigation expenses and other related costs arising from a traffic accident.
I often help friends with car issues, so I know that if the annual inspection is expired, insurance usually won't cover it because the policy requires the vehicle to be legally roadworthy for coverage. In case of an accident, the insurance company will first check the inspection status. If it's expired, they may directly deny the claim, citing the owner's violation of driving regulations. This is no small matter—last year, an acquaintance had a rear-end collision with an inspection expired for three months, and the insurance didn't pay a penny. He had to fork out over ten thousand bucks for repairs himself. My advice is to immediately go to the DMV to complete the overdue inspection and contact your insurance company to verify your policy details. Different companies may have variations, but most have similar rules. Don’t wait until an accident happens to regret it—timely annual inspections aren’t just a legal requirement; they can also save you big money.
