Sihai network

Second hand car insurance has not been transferred can you claim? Under what circumstances will the

For many of our friends, buying a second-hand car is also the first time to buy a car. Many things are not very familiar with. When you buy a second-hand car, you often have only one car. Can you settle the claim if the second-hand car insurance is not transferred? Under what circumstances will the claim be settled? Let's have a look.

Buy second-hand car insurance did not transfer, can you settle the claim?

It used to be very troublesome. You didn't have insurance. In case you bought a second-hand car and ran into a person and a car, the money would have to be borne by yourself. The risk is still relatively large.

The car ownership insurance is also transferred at the same time. Now the new insurance law has stipulated that as long as the car is transferred to you directly, then the corresponding rights and obligations of the car are all transferred to the owner of the new car.

To put it simply, your original owner, for example, the insurance has nine months to expire. After the car is transferred to your name, the nine month insurance is still valid.

You can also claim without transfer, but the procedure is troublesome. It just means that if you don't transfer the ownership, the process is very troublesome. Sometimes you even need the ID card of the original owner to prove it. However, it is already possible to get the risk protection of insurance and claim settlement.

What are the circumstances in which claims are not paid?

Well, this clause does not mean that it doesn't matter if we buy used car insurance in the future. There are some conditions for exemption.

For example, if your car turns into a private car, it turns into a taxi after the transfer of ownership. If it is a commercial vehicle, your insurance will have no effect, and it will not pay you directly.

The transfer car becomes an online car Hailing car without compensation. In addition, it is more popular now. You become the owner of an online appointment car. If your car is used to run didi and Uber, the insurance company will not pay for it.

What should I pay attention to when I buy a used car?

So we friends, when you buy a second-hand car, you should not always focus on the price and car, all the supporting things should be complete.

Is the insurance transferred? On the day when you pick up the car, do you see if the original owner promised to transfer the insurance to you? Or is there any ID card or copy of ID card of the original owner?

If the certificates are complete, then pick up these driving permits, green copies and motor vehicle registration certificates of the vehicle itself, and then go through the insurance policies, insurance certificates, even environmental protection labels and annual inspection labels.

It is a relatively reliable choice to pay the balance to the used car dealer or sell it to the original owner of the used car.

Make sure that all kinds of insurance documents are used to buy second-hand cars and new cars. Our insurance is mainly to avoid our risks. Don't be afraid of trouble when buying a car.

If you have a clear look at all kinds of documents, you can talk about them when you are talking about them. This is a more cost-effective method.

What kind of insurance is useless?

In addition, we also need to be clear about what kind of insurance is needed after the transfer of second-hand car ownership or the purchase of a new car, or which insurance is useless?