Can I claim insurance if the car is transferred but the insurance is not?
2 Answers
According to the relevant provisions of China's "Insurance Law", when an insured vehicle is transferred, the new owner inherits the rights and obligations of the original insured. Therefore, even if the insurance is not transferred, as long as the vehicle ownership is transferred, you can still file a claim with the insurance company. During the actual claims process, insurance companies often require the insured's ID card and other information. Additional information: Claims matters: China's "Insurance Law" also stipulates that the transfer of an insured vehicle should be promptly notified to the insurance company. If not notified, and if the vehicle's risk level significantly increases, such as using a private car for taxi services like Didi, the insurance company may refuse to compensate in the event of an accident.
I'm in the auto insurance business, and this is quite common. After a vehicle is transferred, if the insurance isn't transferred along with it, claims can still be processed, but it's a real hassle. The insurance company recognizes the policyholder's name on the insurance policy. If you've sold the car but are still the policyholder, in the event of an accident, the original owner needs to cooperate by providing documents, bank cards, and a series of materials to complete the claim. If the other party doesn't cooperate or is unreachable, it becomes a problem. Courts have handled similar cases where the claim was awarded to the original owner, and the new owner had to file an additional lawsuit to recover the money. It's recommended to complete the insurance endorsement procedures within 15 days after the transfer, bringing the new vehicle registration certificate and transaction documents. Online insurance policies can also be updated online. Don't wait until an accident happens to regret it—one of my clients had their compensation delayed for three months because of this.
