Can the new owner buy insurance if the previous owner of a used car hasn't canceled the insurance?

[SanElle]

Yes, the new owner of a used car can buy insurance even if the previous owner hasn't canceled the insurance. Here are the specific details about auto insurance: 1. Compulsory Traffic Accident Liability Insurance: This is a mandatory insurance that every car owner must purchase by law. It provides the most basic insurance coverage when a traffic accident occurs. In the event of an accident, this insurance helps the owner cover economic compensation that would otherwise be difficult to pay. The compensation amount is determined based on the owner's proportion of responsibility in the accident and whether it resulted in personal injury or death. 2. Vehicle Damage Insurance: This insurance covers damage to the insured vehicle caused by an accident while being driven by the insured or an authorized driver. The insurance company will compensate within reasonable limits. The premium for this insurance is closely related to the purchase price of the car and the number of seats. 3. Third-Party Liability Insurance: This insurance covers compensation for personal injury or direct property damage to a third party (other than the driver and passengers of the insured vehicle) caused by an accident. The insurance company will compensate according to regulations. 4. Comprehensive Theft Insurance: This insurance provides compensation for losses caused by the theft or robbery of the entire vehicle. After a theft or robbery occurs, if the public security authorities file a case and the vehicle is not found within 60 days, the owner needs to provide documents such as the vehicle registration certificate, vehicle license, and purchase invoice to prove the vehicle's origin and legality to receive the compensation.

[LukasLee]

When buying a used car, if the previous owner's insurance hasn't been canceled, the buyer can still purchase the vehicle. I've personally encountered this situation, and it doesn't affect the car purchase or transfer process at all. Once the transfer is complete, the car is yours, but you'll need to arrange new insurance yourself—you can't use the previous owner's policy. This is because insurance is tied to the owner personally, and if an accident occurs, the original insurer won't cover you. I recommend contacting an insurance company to purchase a new policy immediately after the transfer, without delay, to avoid fines if stopped by traffic police. Also, check the vehicle's history to see if there are any unpaid premiums or issues with the previous insurance, ensuring a smooth transition and safe driving.

[Charlie]

As a seasoned buyer who frequently purchases cars for family members, I believe that the original owner's insurance not being canceled does not affect your purchase of a used car. The key is to take immediate action after the transfer: you must proactively purchase new insurance. The original insurance is the property of the previous owner and has nothing to do with you. If it is not canceled, in case of minor scratches, the previous owner filing a claim could cause trouble for you. On the day of the transfer, it's best to bring your ID to the insurance company to sign a new policy—simple and worry-free. Also, always pay attention to vehicle condition checks, don’t overlook insurance renewal details just to save money, and avoid future hassles.

[VanCatherine]

I encountered the situation where the original insurance wasn't canceled when I bought a car. You can purchase it directly, the car becomes yours once bought. However, you need to arrange your own insurance immediately. Don't use someone else's insurance after the transfer, as insurance companies won't recognize it. Quickly go to the insurance company or use their App to get new insurance, it's easy and doesn't take long. Regularly check details like license plate numbers, and driving becomes more reassuring once the insurance is renewed.

[OJanelle]

From a buying and selling perspective, it's not a problem if the original owner's insurance hasn't been canceled. You can safely purchase the used car. However, after the transfer of ownership, you must immediately cancel the original insurance and purchase a new one. Otherwise, if an accident occurs, the original owner might file a claim, which could affect you. I've seen cases where buyers tried to save trouble but ended up in disputes during repairs, wasting extra money. It's advisable to check the vehicle's insurance records during the transaction to ensure there are no hidden issues. Handle the new insurance policy early to avoid additional expenses.