Can the insurance still be used if the car is transferred but the insurance is not?

1 Answers
MacGabrielle
07/24/25 11:13pm
If the car is transferred but the insurance is not, the insurance can still be claimed. According to China's Insurance Law: when a vehicle is transferred, the transferee of the vehicle inherits the rights and obligations of the original insured under the auto insurance policy. Therefore, after the vehicle is transferred, if a traffic accident occurs, the insurance company is still obligated to assume insurance liability in accordance with the terms of the insurance contract. Details about auto insurance coverage: It is usually indicated on the insurance policy and represents the insured amount of the vehicle. The coverage of auto insurance is generally related to factors such as the age of the vehicle and the market price of the car. When purchasing auto insurance, the policyholder and the insurer can determine the coverage amount through negotiation based on actual circumstances. Of course, the higher the coverage, the higher the premium usually is. When a claim is filed, the insurance company will determine the compensation ratio based on the "ratio of the coverage to the new car purchase price," with the maximum compensation amount not exceeding the actual value of the vehicle. Methods for determining auto insurance coverage are as follows: Determining coverage based on the new car purchase price: This method is generally considered full coverage, and in the event of a claim, the insured can receive compensation that matches the actual loss. Determining coverage based on the actual value at the time of insurance purchase: The actual value refers to the price after deducting depreciation from the new car purchase price. Although this method may result in lower premiums, it is considered underinsurance from an insurance perspective. In the event of partial loss of the vehicle, the insurance company can only provide compensation based on the ratio of the actual value to the new car price. Since the policyholder is insured based on the actual value of the car, the coverage for most car parts is based on their depreciated value as the claim standard. Determining coverage through negotiation between the policyholder and the insurance company: This method is generally applied to rare car models or confiscated vehicles. The price of rare car models is incomparable in the market and tends to be high, while the purchase price of confiscated vehicles is often too low.
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