Insurance when selling a car according to the new rules

Is it worth renewing CASCO and MTPL agreements when selling a car?

When selling a vehicle, there is a need to re-register not only the vehicle’s registration certificate with the traffic police. The details of the MTPL and CASCO insurance policies must also be changed. The insurance rules clearly state: the policyholder is obliged to notify the insurer of a change in the owner of the object of insurance protection and other essential details of the insurance contract. The situation with the re-issuance of a motor vehicle policy when the owner of a vehicle changes is spelled out in the law “On Compulsory Motor Liability Insurance”. With CASCO the situation is a little more vague.

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Selling a car by general power of attorney

Re-registration of OSAGO

The rules of auto insurance are categorical: the MTPL contract can be terminated early only if the owner of the vehicle changes. The insurance contract may not be canceled after the sale of the car. But then the unused funds of the insurance company will actually be donated by the policyholder. A general power of attorney only gives the right to operationally drive a car. A citizen becomes a full owner only after drawing up a purchase and sale agreement (SPA) or issuing a certificate-invoice for the car. By the way, filling out the corresponding field in the car’s title is a minor procedure from the legal side.

Therefore, it will not be possible to terminate the MTPL agreement in case of selling a car at a “general” price. You just need to add new drivers to your insurance policy. Moreover, this can be done within 10 days from the date of receipt of legal rights to the car. Before the expiration of this period, the holder of the general power of attorney is not required to take any actions with the MTPL policy.

Re-registration of CASCO

CASCO is a voluntary type of insurance. You can terminate the insurance contract or change its essential terms at any time while the agreement is in force. Depending on the insurance rules of a particular organization, a general power of attorney allows you to reissue CASCO insurance to a new beneficiary, add additional drivers to the policy and exclude the previous ones. If the new owner does not need a voluntary policy, then both the previous and the new owner of the car can terminate the contract. If, of course, a notarized power of attorney gives him the right to such actions.

Contract of sale

Re-registration of OSAGO

For the buyer of a car, the car title of the previous owner is not valid. Firstly, the owner of the vehicle changes. Secondly, when the vehicle registration certificate is reissued, its number changes. Thirdly, the state registration plate may change. All this data is displayed in the MTPL policy.

According to Law 40-FZ, only the original policyholder has the right to make changes to the auto insurance policy. After selling the car, the new owner has no legal grounds to ask a virtual stranger for this. Therefore, the MTPL policy cannot be reissued when selling a car under a policy. The former owner must terminate the insurance contract, and the new owner must enter into his own. Only the previous owner of the vehicle is entitled to receive funds under the old policy. Of course, if the new owner does not have a general power of attorney for these legally significant actions.

Re-registration of CASCO

When purchasing a car using a policy, the new owner of the vehicle has two options for dealing with the CASCO policy:

Terminate the contract.
Renew the CASCO policy for yourself.

However, we note that the situation with the renewal of the CASCO agreement is not so clear. Some insurers do not give their clients such broad powers. Thus, many companies refuse to enter into a CASCO agreement, where a third party is designated as the beneficiary. To prevent possible controversial situations, you must carefully study the insurance rules and the text of the insurance contract before signing it.

Can I return or sell insurance when selling my car?

Insurance when selling a car

When selling a car, you draw up a sales contract and record the new owner in the title. After this, the right to this car passes to the buyer (and not upon registration, as many believe). But the ownership of the insurance does not transfer. However, there are several options not to lose money for the unused insurance period. Is it possible to return the MTPL insurance or sell it along with the car when selling, we will find out in the article!

First, a couple of important facts and definitions about MTPL insurance:

the owner of the vehicle is the person who owns the car under the purchase and sale agreement and who will receive insurance compensation in the event of an accident;
the policyholder is the one who entered into the MTPL agreement; the policyholder does not have to be the owner; for example, you, as a car owner, can ask your friend to purchase insurance for your car, and your friend may not even be registered as an approved driver; but the policyholder does not receive compensation, only the owner, the beneficiary, receives it, because the damage was caused to him (but the latter can write a power of attorney to receive payment).

Is it possible to transfer MTPL insurance to the buyer when selling a car?

No, you can't just pass it on. More precisely, it is possible, but this policy will be of no use to the new owner - he will not receive compensation and will not be able to register the car with it. But you can sell MTPL insurance when selling a car (or transfer it for free as a bonus to the car) by just contacting the insurance company once.

The policyholder has the right to make changes to the policy. The owner has no such right. But not all changes can be made. This is regulated by the Insurance Rules. So, there is a list of changes that cannot be made to the current policy:

you can't change the car,
the insurance period cannot be changed,
You cannot change the policyholder.

This is an exhaustive list of prohibitions. Everything that is not prohibited is allowed. Accordingly, nothing prevents the policyholder from contacting the company with which he entered into an agreement with a request to change the owner of the vehicle.

Clause 1.9 of the Insurance Rules:
Replacing the vehicle specified in the compulsory insurance policy, changing the insurance period, as well as replacing the policyholder are not allowed .

How to change the owner in the policy?

This cannot be done electronically; you will have to visit the insurance company in person. It is better to submit the application in writing, attaching a copy of the purchase and sale agreement and taking with you the original, as well as your passport.

The application is written in free form - just indicate that “based on the transfer of ownership, confirmed by the purchase and sale agreement dated such and such a date, I ask you to make the following changes to the insurance contract [policy series and number]: change the owner of the vehicle to such-and-such That".

But remember, you can only change the owner of the vehicle, the policyholder remains the same - you cannot change him.

After all this, you actually sold insurance when selling the car. And the new owner will be able to register the car with such a policy in the traffic police.

Is it possible to get money back for OSAGO insurance upon sale?

Yes. This can be done, but with a somewhat tricky calculation, as a result of which your benefit will be significantly less than expected, and with a very small remaining unused policy period, completely zero.

So, clause 1.14 of the Insurance Rules gives you the opportunity to return money for insurance when selling a car:

1.14. The policyholder has the right to terminate the compulsory insurance contract early in the following cases:

revocation of the insurer's license in the manner established by the legislation of the Russian Federation;
change of vehicle owner;
.

According to clause 1.16, the insurance company, when submitting an application to terminate the MTPL contract, is obliged to return to the policyholder part of the money for the unused period within 14 calendar days. Please note that the money is returned to the policyholder, and not to the owner (after all, he paid money for insurance).

From what date is the period of 14 days calculated? From the date of filing an application for reimbursement of part of the money paid.

Calculation of the amount for insurance refund

It is logical that the correct calculation includes a refund amount proportional to the number of unused days. That is, if there are 365 days in the year the car was sold, we bought insurance for 7,000 rubles, and only used it for 200 days, then we need to divide 7,000 rubles by 365, and then multiply by the unused number of days - that is, by 165.

But there's one catch. The fact is that the money that the policyholder paid to the insurer is distributed in different ways - the lion's part goes to the future payment of compensation, another part - as profit and costs of the insurance company, and the third part - a contribution to the Russian Union of Auto Insurers, which (interesting fact! ) insures insurance companies against bankruptcy. And the law obliges you to return only that share that is intended specifically for insurance compensation.

. the insurer returns to the policyholder part of the insurance premium in the amount of its share intended for insurance compensation and falling on the unexpired term of the compulsory insurance contract or the unexpired term of the seasonal use of the vehicle.

What is this share? It is 77% in favor of the policyholder, according to the relevant “Methodological Recommendations” of the Central Bank of Russia.

20% is the costs and profits of the insurance company, 3% is the share of deductions to the RSA.

How to correctly calculate the refund amount? From the example above, it turns out that we first need to subtract 23% from the total amount, and then calculate the amount for the unused period.

The final formula for calculating the refund for insurance looks like this (when there are 365 days in a year): (X × 77%) ÷ 365 × Y , where X is the amount paid for the policy when purchasing it, and Y is the number of days remaining unused until the end of the period insurance under compulsory motor liability insurance.

For example, if we take from the example above, we paid 7,000 rubles for an insurance policy, but only drove 200, after which we sold the car. Then the calculation of how much money can be returned for insurance will look like this: (7000×77%)÷365×165=2436 rubles. 7000×77%=5390 rubles is the share for paying the insurance premium. Then we divide it by 365 days a year and multiply it back by the number of days during which we used the policy.

What to do with an MTPL policy when selling a car

Each car purchase and sale transaction is associated with the issue of further use of the MTPL policy. As a rule, at the time of selling a car, the validity of the insurance contract remains valid for several months. Depending on the intentions of the seller, in this situation there are several acceptable options for disposing of the policy.

Can the new owner take advantage of the MTPL policy?

The Law “On Compulsory Motor Liability Insurance” (Federal Law No. 40-FZ of April 25, 2002) provides clear clarifications on the issue of the rights of the new car owner to use the policy. The buyer of the car will be able to use the “motor citizen” when entering information about him into the insurance agreement. The following options for resolving the situation are acceptable here:

complete re-issuance of the current MTPL policy when selling a car - the powers of the owner and the insured are transferred in favor of the buyer;
closure of the policy and return of part of the funds;
entering information about the new owner of the vehicle into the current auto insurance policy.

The concepts of “insured” and “owner” of a car are not identical to each other.

Changing the owner’s data in the insurance contract does not eliminate the need for the participation of the policyholder (seller) in resolving all material disputes upon the occurrence of an insured event.

What should the previous owner do?

When re-registering a car title to a new person, the previous owner must contact the insurance company with a corresponding application. If the car is sold to a stranger, it is recommended to completely re-register the rights of the policyholder and the owner in the MTPL agreement.

Entering data about the new owner into the current contract without changing the policyholder is only appropriate if the rights are transferred to a close relative. At the same time, the previous owner of the car continues to operate it.

If the parties to the transaction do not wish to reissue the MTPL policy, the previous owner has the right to terminate the current contract.

Why is it important to close your MTPL policy?

The current MTPL Rules clearly state : refund of payments for the remaining insurance period is possible if there are compelling reasons for taking this action. Re-registration of rights to a car in favor of another person is included in the list of legislative grounds for terminating a contract with an insurer. Without cancellation of the agreement, the previous owner will not be able to claim any financial compensation.

How to get part of the insurance amount back

Refunds of compensation for an unused insurance policy are carried out on the basis of a written application from the previous owner of the car. The package of accompanying documents includes:

a copy of the policyholder's passport;
contract of sale;
insurance contract subject to cancellation;
Bank details of the recipient of the insurance premium.

Sample application for termination of the MTPL policy

Refunds for compulsory motor liability insurance when selling a car are carried out from the date following the submission of the request to the insurance company. The insurance premium calculation scheme looks like this:

Policy cost*number of remaining days in the insurance period/365 – 23% = amount to be refunded.

23% is calculated by default for various costs (payments to the insurance fund, RSA, etc.).

When are payments made?

Payment of compensation for an unused auto insurance policy is carried out within 14 days from the date of acceptance of the application from the policyholder. If the specified period is overdue, the insurance company must pay a penalty in the amount of 1% of the due amount for each day of debt to the client.

In what case does this not work?

According to the MTPL Rules, it will not be possible to return money for an insurance policy upon termination of the contract in a number of cases:

if the policyholder resorts to fraud and provides deliberately false information about himself and the vehicle in the documents;
if the insurance agreement is canceled due to the owner’s lack of need to operate the car;
if the MTPL policy was purchased in installments and payment has not been completed;
if the insurance company declared itself bankrupt.

Is it possible to reissue an existing MTPL policy?

The car seller can re-register the current vehicle license for another car. These actions are appropriate when selling an old car and buying a new one. The insurance will be reissued for the remaining validity period of the auto insurance policy.

The procedure is carried out on the basis of a written request to the insurance company, supported by a package of documents. The applicant will need:

a copy of your general passport,
a copy of the purchase and sale agreement of the previous car;
insurance agreement;
registration certificate for a new vehicle;
driver's license.

The condition for recalculating the cost of the policy is increased engine power in the new car.

FAQ

Is it possible to insure a car without being its owner?

The law allows for auto insurance rights for every driver who has a license and legal access to a vehicle. In this case, the person will act as the official insurer of the car. In addition to the basic documents, you will need to provide a power of attorney from the owner of the car for the procedure for issuing an MTPL policy.

How many people can be included in the policy?

Insurance companies allow the possibility of specifying any number of people in the insurance contract. You can specify the owner of the car, the policyholder, and other persons who have access to driving the vehicle. Each driver can be assigned a separate insurance class, which can affect the reduction in the cost of “car insurance” in the future.

Is it possible to avoid costs of 20% of the premium amount when refunding money for an unused policy?

There is no requirement in the legislation to realize costs when compensating the insurance amount. Such a rule may not be specified in the insurance contract itself. These regulations are not legal, which means that the car owner has every chance to defend his material rights in litigation. At the same time, the costs of litigation will be higher than the insurance fee of 20% of the policy value.

Let's sum it up

When selling a vehicle, the owner has four options for disposing of the MTPL policy. He can initiate a complete re-registration of the car title to the new owner, or enter his data into the current insurance agreement. The contract can be canceled by refunding money for the unused insurance period. The law also allows for the possibility of re-issuing a valid policy from an old vehicle to a new one, provided that the engine power in the purchased vehicle is increased.

Issues relating to motorists' rights are often more important than they appear at first glance. A driver may lose his license or suffer other severe penalties due to ignorance or misinterpretation of laws and regulations. Do not be lazy to dive deeply into the essence of the issue being studied, do not hesitate to ask advice from professionals.

Refund of MTPL when selling a car

Good afternoon, dear reader.

Not all drivers know that it is possible to return part of the cost of compulsory motor insurance after selling the car.

For example, this fact is confirmed by the fact that many sellers simply give the insurance policy to the new owner, although he does not need it at all.

This article addresses the following issues:

In what cases can you terminate the MTPL agreement and return the money?

The possibility of terminating the MTPL agreement is provided for in paragraph 4 of Article 10 of the Federal Law “On compulsory insurance of civil liability of vehicle owners”:

4. In case of early termination of a compulsory insurance contract in cases provided for by the rules of compulsory insurance, the insurer returns to the policyholder part of the insurance premium in the amount of the share of the insurance premium intended for insurance compensation and falling on the unexpired term of the compulsory insurance contract or the unexpired period of seasonal use of the vehicle.

Please note that refunds are not possible in all cases .

There is a list of situations in which you can get a refund, and it will be discussed further. However, it should immediately be noted that if the driver decides to terminate the MTPL contract for no apparent reason, then the money will definitely not be returned to him.

So, the situations in which the MTPL agreement can be terminated are discussed in detail in paragraphs 1.13 - 1.16 of the Rules for compulsory civil liability insurance of vehicle owners. These paragraphs provide both situations in which you can return money for unused policy time, and situations in which the cost of the policy is not returned.

Within the framework of this article, situations in which a refund of the cost of compulsory motor liability insurance is possible :

death of a citizen - policyholder or owner;
liquidation of an insurance company;
revocation of the insurance company's license;
destruction (loss) of a vehicle;
changing the owner of the vehicle (sale of the car).

How to get money back for unused MTPL insurance?

Getting a refund for unused insurance when selling a car in 2019 is a no-brainer. The driver needs to contact the insurance company where the MTPL policy was purchased and fill out a refund application there.

documents will be required for return :

Passport;
OSAGO policy;
Car purchase and sale agreement confirming the sale;
Bank account details where the money will be transferred.

The return procedure usually goes smoothly. As for questions and disputes, they most often arise regarding the amount of the refund.

How to calculate the refund amount under compulsory motor liability insurance?

4. In case of early termination of a compulsory insurance contract in cases provided for by the rules of compulsory insurance, the insurer returns to the policyholder part of the insurance premium in the amount of the share of the insurance premium intended for insurance payments and falling on the unexpired term of the compulsory insurance contract or the unexpired period of seasonal use of the vehicle.

There are 2 conditions in this paragraph:

Only the portion of the premium intended for insurance payments is returned.
Only the amount proportional to the remaining validity period of the compulsory motor liability insurance policy is returned.

Let's look at each of them in turn.

1. Let's consider the requirements for the structure of insurance tariffs established by the Bank of Russia. 77 percent of the policy value is intended to ensure current insurance compensation under compulsory insurance contracts .

The remaining 23 percent are intended for other purposes and will not be returned in any case.

2. Calculation of the amount proportional to the remaining period of validity of the compulsory motor liability insurance policy.

First of all, you need to calculate the date of early termination of the insurance policy. It is calculated as follows:

in case of death of a citizen - date of death;
in case of liquidation of the insurer - the date of liquidation;
in case of destruction (loss) of the car - the date of destruction (loss);
when revoking the insurer's license - the date the insurer received the application;
when selling a car - the date the insurer received the application.

Please note that the amount of refund under compulsory motor liability insurance when selling a car depends on how quickly the former owner of the car contacted the insurance company.

It is in your best interest to do this as soon as possible. Ideally, you need to go to the insurance company on the same day that you sell the car.

After the termination date of the contract is calculated, you need to calculate how many unused days are left .

For example, if OSAGO is concluded for a year and 100 days remain unused, the driver will be able to receive 100 / 365 = 27.3% of the original policy amount. In addition, do not forget that the 23% discussed above is also non-refundable. Those. as a result, the driver will receive 0.273 * 0.77 = 0.21, i.e. 21% of the policy cost.

It should be borne in mind that if the policy was not concluded for a whole year, then the cost will be calculated taking this into account.

For example, if 100 days remained unused, and the policy was concluded for 4 months (from May to August), then the driver will be refunded 100 / (31 + 30 + 31 + 31) = 81.3% of the amount. Taking into account the 23% discussed above, the final payment will be 62.6% of the policy value.

I recommend that you independently calculate the refund amount before contacting the insurance company. If you are returned less and the amount turns out to be significant, then the arrears can be recovered through the court. Naturally, it doesn’t make much sense to engage in legal proceedings for 100 rubles.

In conclusion, I would like to note that the return of compulsory motor liability insurance when selling a car is a fairly simple procedure and I recommend using it.

Insurance when selling a car according to the new rules

Hello, in this article we will try to answer the question “Insurance when selling a car according to the new rules.” You can also consult with lawyers online for free directly on the website.

In the process of selling a vehicle, the former car owner transfers to the buyer not only the car itself, but also the documents issued for it. Many people who are doing this for the first time are interested in whether it is worth transferring the MTPL insurance policy to the buyer?

If the car is stopped by a traffic police inspector, the driver presents a copy of the DCP along with the required documents. The police officer will make sure by the date of signing the contract that the period specified by law for obtaining a motor vehicle license has not expired.

Knowing how long you can drive a purchased car without insurance, the car owner will be able to choose his own insurer. This right is provided for by law. He needs to read in advance the reviews about the work of insurance companies that drivers leave on forums or websites.

What documents are required to obtain compulsory motor liability insurance when purchasing a used car?

In this case, the fine may arrive by mail. In this case, the driver will need to visit the traffic police department to write a statement.

Selling a vehicle involves transferring to the new owner not only the car, but also the documents for it. Car owners who decide to sell their vehicle should be aware of the need to transfer insurance policies to the new owner, as well as the possibility of selling the car without it.

You must first conclude a notarized agreement with the buyer, which states that the citizen purchasing the car is obliged to compensate for the time when you will not use the policy, and the car, respectively.

All available drivers can be included in it, or, conversely, an open insurance policy can be purchased, which is called unlimited insurance.

After all, the seller bought and paid for insurance services, and now he has to part with the policy so easily?

The insurance contract specifies the subject of the contract, information about the vehicle and its owner, the insurance premium, etc. There are about 10 points in total. The agreement can only be concluded in written or electronic form.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual.

When selling a vehicle, you can partially reimburse your insurance costs (MTPL, DSAGO and CASCO), taking care of terminating the contract with the insurer.

Although, according to Article 955 of the Civil Code of the Russian Federation, changes can be made to the current policy. To do this, a written application to change the policyholder is submitted to the insurer.

We will tell you in detail whether compulsory motor liability insurance is necessary when buying a car, what it is, how to apply for it and in what time frame.

Every car owner is required to purchase an MTPL policy. It is prohibited to operate a vehicle (vehicle) without motor vehicle liability insurance in Russia. Violation of this requirement results in the imposition of penalties. However, car enthusiasts are interested in a number of points - for example, the procedure for applying for an MTPL policy when purchasing a used car in 2019. Let's try to figure it out.

Why is it important to close your MTPL policy?

It is recommended to conclude a deal with the purchaser to reimburse the funds spent on insurance during unused time.

Let's briefly look at these methods:

Add the new car owner to the policy. This option applies if the seller agrees that the person who bought the car will use his insurance. It is necessary to contact the insurance company, but it is first recommended to conclude an agreement with the buyer (and have it notarized), in which he undertakes to reimburse expenses for unused insurance time. This procedure is regulated by Art. 960 Civil Code of the Russian Federation. In this case, the person who has received ownership of the insured property in connection with the transfer of rights must immediately notify the insurer about this in writing. That is, the new owner must initiate the renewal of the MTPL policy after purchasing a used car. To transfer insurance rights, it is not necessary to enter into a new transaction. This condition can be included in the policy as a separate clause.

When concluding a sale transaction, you, as the former owner of this vehicle, can either give the policy to the new owner of the car or submit documents to terminate your insurance contract and ultimately receive monetary compensation for the unused time of the contract.

The order in which this procedure is performed depends on which of the above options is preferred by the parties to the DCP. If the insurance contract is terminated, the following sequence of actions is performed:

An application to terminate the transaction with the insurance company is drawn up.
The insurer is provided with a policy.
Based on the documents, the insurance company cancels the MTPL policy.
The client receives compensation for unused insurance time. In this case, a commission fee of 23% is charged.
A new car owner takes out an MTPL policy according to generally accepted rules.

Each of these methods takes place and is negotiated by citizens carrying out a car purchase and sale transaction individually. As soon as an agreement is reached between the former and future car owners, they must inform the insurance company of their decision. This agreement is being reissued on the basis of an agreement concluded between the parties.

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Is it possible to sell a car without a policy?

In addition to this agreement, you will need to present the MTPL policy itself, as well as the identity card of the former owner of the car (passport). Additionally, you will have to fill out a standard form for requesting a refund of the insurance premium or write a corresponding application in free form.

If the buyer is categorically against compensation for an unused policy by the car seller, then he can terminate the current contract with his insurance company.

Very often cars are bought and sold. But in this case, a completely logical question arises: when the car is sold, the liability insurance is transferred to the new owner or not?

Is compulsory motor insurance necessary when buying a new or used car?

However, sometimes the previous owner has no idea that if he left such a document for himself, he will not be able to return the money.

Many lawyers and traffic police officers refer to the fact that in traffic legislation all situations are divided into two types:

machine control;
"static" state of the vehicle.

New (reissued) insurance may also be issued. This is done within 2 days from the moment the policyholder returns the old car title. It and the second copy of the policy are kept by the insurer. The forms indicate their numbers and the date of re-registration.

In 2019, the cost of compulsory motor liability insurance will change. Now the base rate is in the range of 3432 – 4118 rubles. And by the end of the summer of 2019, the Central Bank plans to set the lower and upper limits of this indicator at the level of 2746 and 4942 rubles. respectively.

When re-registering a car under a DCP (purchase and sale agreement) from one individual to another, the question arises of how to issue an MTPL policy for a purchased used car.

If the specified period is overdue, the insurance company must pay a penalty in the amount of 1% of the due amount for each day of debt to the client.

When selling a vehicle, insurance can either be transferred to the future owner by adding it to the policy, or you can terminate the agreement with the insurance company and receive compensation for the unused time of the policy.

Upon termination, 23% of the cost of the insurance premium will be deducted from you, of which 3% will go to the RSA, and 20% will go to the costs of maintaining and registering this case.

Entering the new owner's data into the contract

Current legislation clearly defines the period during which insurance must be taken out when purchasing a car under a sales contract. In our article we will look at how many days a car owner has to conclude an insurance contract under MTPL after purchasing a car.

Refunds for compulsory motor liability insurance when selling a car are carried out from the date following the submission of the request to the insurance company.

But no matter what decision you come to, you should inform your insurer about this, and they will reissue the policy. Entering data about the new owner into the current contract without changing the policyholder is only appropriate if the rights are transferred to a close relative. At the same time, the previous owner of the car continues to operate it.

In order to receive compensation for the unused period of validity of the motor vehicle license, the purchase and sale agreement must be submitted to the insurance company on the day the transaction is concluded.

Vehicle insurance - both compulsory and voluntary - is familiar to all car enthusiasts. But questions about the use of these policies still arise. Is it possible to sell a car without insurance?

If compulsory motor liability insurance was without restrictions, which, unfortunately, is not particularly popular in Russia, then a general power of attorney is not needed. In another situation, if the car has not one driver, but several at once, for example, all family members take turns driving, then there are two options for obtaining an insurance policy.

Our insurance broker services

Both parties to the transaction must come to such a decision, and first conclude a notarized agreement that the buyer undertakes to compensate part of the funds paid to the insurance company for the remaining period of the policy.

The question that generates a lot of discussion on automobile websites is whether the driver of a new car can drive it before purchasing a car license for the 10 days required by law.