Do New Cars at 4S Dealerships Come with Insurance?
2 Answers
Generally, new cars at 4S dealerships do not come with insurance. Below is a detailed introduction to auto insurance: 1. Compulsory Traffic Accident Liability Insurance: This is a mandatory insurance that every vehicle owner must purchase as required by law. It provides the most basic insurance coverage in the event of a traffic accident. If an accident occurs, 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 provide compensation 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 bodily injury or direct property damage to a third party (excluding the driver and passengers of the insured vehicle) caused by an accident. The insurance company will compensate according to regulations.
As a car owner who frequently visits 4S shops, I have to say that new cars at 4S shops generally do not come with formal insurance. The cars in the store's inventory may have temporary transport insurance or inventory insurance, which only covers risks during storage or transportation, but these become invalid once the car is sold to the owner. If the 4S shop promotes an insurance package when you pick up the car, it's usually a commercial insurance service they cooperate with, not something that comes with the car itself. Therefore, after buying a car, you need to arrange insurance yourself, especially compulsory traffic insurance, which is legally mandatory—driving without additional coverage like car damage insurance is very risky. Last year, when I helped a relative choose a car, he bought a new one, and the shop only provided a temporary license plate without insurance. We had to go to an insurance company to get coverage. A reminder to everyone: contact an insurance agent to arrange coverage before getting a new car, so you don't regret it only after an accident occurs.
