Can I Claim Insurance for a Second-Hand Car Without Transferring the Policy?

[DelMaya]

Insurance claims cannot be made for a second-hand car without transferring the policy. Below is an introduction to car insurance claims: 1. Overview: Car insurance claims refer to the process where the car owner files a claim with the insurance company after a traffic accident. The basic workflow of a claim includes steps such as reporting the incident, damage assessment, signing and receiving claim documents, calculation and review, approval, and final settlement. 2. Characteristics: Public nature of the insured: In China, car insurance policyholders were primarily companies and enterprises in the past. However, with the increase in personal car ownership, the proportion of individual car owners among the insured is gradually rising. These policyholders often purchase insurance passively and, due to limitations in culture, knowledge, and education, have limited understanding of insurance, traffic accident handling, and vehicle repairs. On the other hand, driven by interests, there can be significant communication barriers between inspectors, claim processors, and the insured during the claim process.