Can I Buy Normal Insurance for a Used Accident Car?
2 Answers
It is not advisable to purchase a used car that has been involved in a serious accident. Accident-damaged vehicles are structurally compromised, meaning that once structural components are damaged, even if they are repaired through stretching, hammering, or other methods, the overall body rigidity cannot be fully restored. In the event of another collision, the car is likely to "fall apart." Below is additional information: 1. When a car is involved in a collision, the first parts to be damaged are usually the exterior panels, such as the engine hood, bumper, and fenders. However, if the collision is severe, it can affect various structural components within the engine compartment. Due to the high impact force, the mounting points of these components can become displaced. 2. If the damage is minor, dealers often do not repair it. If the damage is severe, the parts may be replaced. By examining the paint near the mounting screws, one can determine whether the area has endured significant impact. Additionally, if the screws have been replaced, the paint color and application pattern will noticeably differ from those of the original factory parts.
As a veteran who has repaired accident-damaged cars for 15 years, I've seen too many cases. For major accident vehicles after transfer, the key is to examine the extent of chassis repair. When insurance companies check claim records, if they find ABC pillar cutting or longitudinal beam deformation, they may directly reject commercial insurance coverage. However, minor dents and sheet metal repairs have no impact at all. Two crucial tips: Have the seller provide complete claim records, especially those involving anti-collision beam replacement; Immediately call the insurance company's customer service after transfer to check the vehicle's status. Last week, a client bought a Volkswagen Tiguan with rear panel reshaping, and PICC still accepted third-party liability insurance, just costing 300 yuan more than a same-year accident-free vehicle.
