Will the insurance purchased be effective when the car has not been licensed yet?
1 Answers
When the car has not been licensed yet, the purchased insurance will not be effective. Here are the relevant details: 1. Insurance company regulations: For new cars without license plates involved in accidents, insurance companies usually consider that motor vehicles should be legally licensed before they can be driven on the road. If the insured vehicle is involved in an accident without a license plate, the insurance company will not be responsible for compensation. This is because both the commercial third-party liability insurance and motor vehicle loss insurance clauses explicitly state that 'if the insured motor vehicle does not have a driving license or license plate issued by the traffic management department of the public security authority at the time of the insurance accident, the insurer will not be responsible for compensation in the event of an accident.' 2. Obtaining a temporary license: To avoid such claim rejections, consumers should obtain a temporary license before purchasing insurance. In case of an accident, the insurance company will be responsible for compensation. 3. Temporary license does not cover theft insurance: It is important to note that for vehicles with temporary licenses, most insurance types can be effective, but theft insurance is not applicable. The theft insurance clause stipulates that the insurance for a new car will only take effect after obtaining the official license plate. Therefore, before the new car is licensed, it is crucial to protect the car from theft and collisions.
