Content of the material
- When Is An Emissions Test Required?
- Certificate of Title
- You Cannot Renew Vehicle Registration Without Proof of Car Insurance
- Can You Get a Car Inspection Without Insurance?
- 4. How Does a Failed Inspection Impact Your Car Insurance?
- Temporarily Driving Without Registration
- Financial Responsibility (Proof of Insurance)
- When Do You Need A Car Inspection
- Can You Get A Car Inspection Without Insurance?
- 7. Resources
- How Much Does an Inspection Cost?
- What do they check in a car inspection?
- What happens to my insurance if my car fails an inspection?
- What happens to my car insurance if I don’t get my car inspected?
When Is An Emissions Test Required?
The Colorado Division of Motor Vehicles requires residents of Denver County to get emissions inspections as part of the State’s overall strategy to improve air quality throughout Denver and the front range. Vehicles from a model year of 1981 or older must have an emissions test annually; vehicles from model year 1982 and newer must test every other year. You must obtain an emissions test:
- When you purchase a vehicle through a private party, or transfer ownership through family or inheritance, even if the current inspection report still has time on it. Visit Air Care Colorado for exceptions to this rule.
- If you receive notice on your registration renewal that an emissions inspection is due for your vehicle.
- If you relocate to Colorado from another state. Learn more about Colorado residency…
Certificate of Title
This is the official document of ownership. If you have lost your title, you must apply for a duplicate title.
You Cannot Renew Vehicle Registration Without Proof of Car Insurance
After your vehicle completes its inspection, you’ll want to register your vehicle with your local Department of Motor Vehicles.
When you register your vehicle, you’re required to provide proof of insurance. You cannot renew or apply for registration without proof of car insurance protection.
You’ll need to provide proof of a certain minimum amount of car insurance. The specific amount varies between states. In California, for example, you’re required to have liability insurance with a minimum of 15/30/5, which means $15,000 of liability coverage for the injury or death of one person, $30,000 of liability coverage for injury or death per accident, and $5,000 of liability damage insurance for property damage.
If you cannot provide proof of insurance, then you cannot register your vehicle.
Can You Get a Car Inspection Without Insurance?
The short answer is no. You cannot get a car inspection without insurance.
First off, inspectors will not conduct their inspection unless they are presented with the vehicle’s title, registration, and proof of insurance. Without any of those three items, you will likely not get your inspection completed.
And perhaps a more obvious reason is that it is illegal to drive without insurance. All states have financial responsibility laws. These require either proof of insurance or proof of sufficient assets to cover any damages. And, in order to get your car inspected, it will need to be driven – legally – to the dealership, auto garage, or wherever the inspection is taking place.
There may certainly be exceptions to this rule. However, most are going to include those and perhaps other requirements. It is best practice to always have insurance, especially whenever getting inspections or repairs done.
4. How Does a Failed Inspection Impact Your Car Insurance?
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Temporarily Driving Without Registration
If you don’t have Accurate Auto Illinois vehicle auto insurance yet, meaning you can’t get your vehicle inspected or registered, most states allow you to temporarily drive. You can request a temporary 30 or 45-day registration while you are waiting for your inspection to be complete. Other states also allow you to drive the vehicle to the first place of storage from the place of purchase without registration.
When it comes to Illinois vehicle auto insurance, you’d rather be safe than sorry. At Accurate Insurance, we proudly offer low-cost insurance in Illinois regardless of age, credit, tickets or accidents!. Visit our site for a free quote.
Financial Responsibility (Proof of Insurance)
Every motor vehicle owner MUST present a current insurance identification card (original, copy, or electronic if legible), or other proof of financial responsibility and sign an affidavit certifying that the owner or the authorized agent has and will maintain financial responsibility during the registration period.
NOTE: The owner or authorized agent MUST sign the self-certification of financial responsibility on the application to satisfy the requirement for an affidavit, unless the application is for a trailer.
Proof of financial responsibility may be any one of the following:
- A current insurance identification card (original, copy, or electronic if legible) containing the following information:
- The name and address of the insurer;
- The name of the insured;
- The policy number;
- The effective dates of the policy, including month, day and year;
- A description of the insured motor vehicle including year and make or the word “fleet” if the insurance policy covers five or more motor vehicles;
- A motor vehicle liability insurance policy or insurance binder (a temporary policy). A paid insurance receipt indicating policy information (must include the insured’s name, vehicle description and effective dates) is also acceptable and may be submitted for a newly purchased vehicle or a new insurance carrier;
- Proof of Financial Responsibility filed with the Department of Revenue;
- A certificate of self-insurance (for a Company or Religious Organization) issued by the Missouri Department of Revenue.
For newly-acquired vehicles, the following is also acceptable as proof of proof of financial responsibility:
- A paid insurance receipt with the policy information;
- Proof of insurance on another passenger vehicle owned by the applicant, as long as the newly-acquired vehicle was purchased within 30 days of the registration date; and
- A statement from the insurance company acknowledging the policy covers the purchase of a commercial motor vehicle for 30 days from the date of purchase.
When Do You Need A Car Inspection
Many states require annual safety inspections in order for you to be able to drive legally in the state. The vehicle inspection starts out with a review of your proof of insurance, registration, and title. These things are renewed to make sure that your vehicle is legal, being driven legal, and that your documents are up to date.
The exterior of your car is one of the things that gets inspected. Your license plate must be securely attached and well lit, and the car’s windows should be free of cracks and chips that can limit visibility or integrity. The doors, wiper blades, windows, and undercarriage of your vehicle will also be inspected.
The interior of your vehicle, including the steering system, will be inspected as well. Make sure your horn is functioning before you arrived, and that your wheels turn correctly. Another necessary inspection item is your brakes and brake pads. Additionally, your seatbelts are inspected.
Additional areas of the car that will be inspected are your engine and chassis. Your tires will be checked, their fluids as well, and leaks and damage will be looked for.
Can You Get A Car Inspection Without Insurance?
Most often, when you show up for your inspection at the station three things will be required. The first one is proof of liability insurance. In most cases, this is the minimum level of coverage needed to drive in your state and the rest of the country. Without proof of insurance, you will not be able to get the car inspection you need. Additionally, a current photo ID must be presented at the inspection. Inspections must be attended by a person on the insurance policy and/or registration. Lastly, these inspections cost money. You will need to bring payment for inspection services. You are charged for the services regardless of whether or not your vehicle passes the inspection.
There are a few stations that may not ask for insurance when you arrive for your inspection, but this is rare. Also, each state is different, and within each state vehicle inspections can also vary quite a bit.
It does make a lot of sense that you would need proof of insurance in order to get an inspection. Driving to the inspection facility requires driving on roads. Driving on roads requires proof of insurance in order to be done legally. The car inspection process is designed to determine whether or not your vehicle is safe to be driven on public roads. Make sure to drive safely to the inspection facility and have your proof of insurance and ID ready.
While insurance groups most often required for a vehicle inspection, and for driving legally in general, driving without a vehicle being registered is at times allowed. Some states will issue temporary registrations that can last for as long as 45 days in cases where a vehicle inspection is needed. Also, some states allow vehicles to be driven to the first place they are to be stored from wherever they are purchased without being registered. This can be from a dealership to your home or from a dealership to a storage facility.
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How Much Does an Inspection Cost?
The cost of a car inspection varies by location. Each state has a different licensing process, and thus prices can vary widely. Contact your state’s local DMV to find out the price of the inspection. Here are the inspection costs for several states.
- Delaware: $40
- Hawaii: $25
- Illinois: $100
- Louisiana: $30
- Maine: $12.50
- Massachusetts: $35
- Mississippi: $75
- Missouri: $12
- New Hampshire: $20-$50
- New Jersey: $50
- New York: $10-$15
- North Carolina: $13.60
- Pennsylvania: $39.99
- Rhode Island: $55
- Texas: $7
- Utah: $25
- Vermont: $35 – $50
- Virginia: $51
- West Virginia: $14.66
- District of Columbia: $35
- Alabama: $90
- Maryland: $80
What do they check in a car inspection?
Car safety inspections vary according to state law. That said, items typically checked in a safety inspection include:
- Fuel system
- Electrical system
- Exhaust system
- Windows and wipers
- Lights and mirrors
- Body and chassis
- Instrument panel
- On-board diagnostics (passenger cars 1996 and newer)
The laws in each state differ on other aspects of your safety inspection, too. For example, having a certain amount of brake pad depth may be acceptable in one state but may fail inspection in another.
What happens to my insurance if my car fails an inspection?
It depends on the situation. Most state laws require you to fix the issue within a certain period, usually a week or two. If you get it fixed within that time, it wouldn’t be an issue for your insurance. However, if you were to get into an accident before correcting the problem, and the defective part or system contributed to the accident, your insurer might not cover any related claims.
If you get pulled over and issued a “fix-it” ticket for an issue such as a broken taillight, you’ll have time to get it fixed and show proof so that the ticket won’t show up on your driving record. If you don’t get it fixed and get cited again, your insurer could raise your rate if they take non-moving violations into consideration when determining auto insurance rates.
Any time you get into an accident – whether a claim gets filed or you get points on your driving record – your insurance rates may be affected at your next renewal. Safety inspections help reduce the likelihood of accidents on the road due to cars not being properly maintained.
What happens to my car insurance if I don’t get my car inspected?
Depending on the laws of your state, you may not be able to add a car to your auto insurance policy if you don’t get it inspected. Once it’s on the policy, though, your insurer generally won’t check to see if you get it inspected per your state’s laws.
However, it’s a risk not to get it inspected. Even if they aren’t checking, the insurer may still require it to be in place as a condition of your policy. If you get into an accident and your insurer finds that you didn’t have your car inspection sticker, that could affect whether your insurer pays any claims made for the incident.